Access Bank Kenya loan calculator for Ksh 100,000 over 20 years.
Estimate repayment for a Access Bank Kenya loan using the current 19.98% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,697
240 monthly payments
Estimated total repayment
Ksh 407,340
Ksh 100,000 principal + interest
Estimated interest
Ksh 307,341
At 19.98%
Current Access Bank Kenya loan interest rate
Access Bank Kenya is listed at 19.98% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
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Loan details
KESCentral Bank of Kenya · May 2025
+3.99 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,114
For 240 months · incl. fees
Total repaid
Ksh 491,692
Principal Ksh 100,000 + Ksh 391,692 extras
Effective APR
27.09%
Advertised rate 19.98% · 307.3% interest on principal
Repayment mix over 20 years
Early payments lean on interest; later ones clear principal.
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 100,000 |
| 1 | Ksh 19,943 | Ksh 425 | Ksh 99,575 |
| 2 | Ksh 39,792 | Ksh 942 | Ksh 99,058 |
| 3 | Ksh 59,528 | Ksh 1,573 | Ksh 98,427 |
| 4 | Ksh 79,126 | Ksh 2,342 | Ksh 97,658 |
| 5 | Ksh 98,555 | Ksh 3,280 | Ksh 96,720 |
| 6 | Ksh 117,779 | Ksh 4,424 | Ksh 95,576 |
| 7 | Ksh 136,752 | Ksh 5,818 | Ksh 94,182 |
| 8 | Ksh 155,419 | Ksh 7,517 | Ksh 92,483 |
| 9 | Ksh 173,714 | Ksh 9,589 | Ksh 90,411 |
| 10 | Ksh 191,555 | Ksh 12,115 | Ksh 87,885 |
| 11 | Ksh 208,843 | Ksh 15,195 | Ksh 84,805 |
| 12 | Ksh 225,455 | Ksh 18,950 | Ksh 81,050 |
| 13 | Ksh 241,245 | Ksh 23,527 | Ksh 76,473 |
| 14 | Ksh 256,031 | Ksh 29,107 | Ksh 70,893 |
| 15 | Ksh 269,595 | Ksh 35,911 | Ksh 64,089 |
| 16 | Ksh 281,668 | Ksh 44,205 | Ksh 55,795 |
| 17 | Ksh 291,922 | Ksh 54,318 | Ksh 45,682 |
| 18 | Ksh 299,961 | Ksh 66,646 | Ksh 33,354 |
| 19 | Ksh 305,298 | Ksh 81,676 | Ksh 18,324 |
| 20 | Ksh 307,341 | Ksh 100,000 | Ksh 0 |
What affects repayment?
Monthly repayment depends on loan amount, term, lending rate, processing fee, insurance and excise duty on interest.
Longer term tradeoff
A longer term can reduce monthly instalments but usually increases total interest paid over the life of the loan.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.