Access Bank Kenya loan calculator for Ksh 100,000 over 3 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 3,715
36 monthly payments
Estimated total repayment
Ksh 133,752
Ksh 100,000 principal + interest
Estimated interest
Ksh 33,752
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 4,132
For 36 months · incl. fees
Total repaid
Ksh 149,692
Principal Ksh 100,000 + Ksh 49,692 extras
Effective APR
31.06%
Advertised rate 19.98% · 33.8% interest on principal
Repayment mix over 3 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 17,597 | Ksh 26,987 | Ksh 73,013 |
| 2 | Ksh 29,280 | Ksh 59,888 | Ksh 40,112 |
| 3 | Ksh 33,752 | 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.