Access Bank Kenya loan calculator for Ksh 1,000,000 over 10 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 19,312
120 monthly payments
Estimated total repayment
Ksh 2,317,477
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,317,477
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 23,476
For 120 months · incl. fees
Total repaid
Ksh 2,676,912
Principal Ksh 1,000,000 + Ksh 1,676,912 extras
Effective APR
26.00%
Advertised rate 19.98% · 131.7% interest on principal
Repayment mix over 10 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 1,000,000 |
| 1 | Ksh 196,706 | Ksh 35,042 | Ksh 964,958 |
| 2 | Ksh 385,732 | Ksh 77,763 | Ksh 922,237 |
| 3 | Ksh 565,396 | Ksh 129,847 | Ksh 870,153 |
| 4 | Ksh 733,645 | Ksh 193,345 | Ksh 806,655 |
| 5 | Ksh 887,979 | Ksh 270,759 | Ksh 729,241 |
| 6 | Ksh 1,025,348 | Ksh 365,138 | Ksh 634,862 |
| 7 | Ksh 1,142,033 | Ksh 480,201 | Ksh 519,799 |
| 8 | Ksh 1,233,502 | Ksh 620,479 | Ksh 379,521 |
| 9 | Ksh 1,294,229 | Ksh 791,500 | Ksh 208,500 |
| 10 | Ksh 1,317,477 | Ksh 1,000,000 | 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.