Access Bank Kenya loan calculator for Ksh 1,000,000 over 15 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 17,548
180 monthly payments
Estimated total repayment
Ksh 3,158,674
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,158,674
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 21,712
For 180 months · incl. fees
Total repaid
Ksh 3,728,451
Principal Ksh 1,000,000 + Ksh 2,728,451 extras
Effective APR
25.84%
Advertised rate 19.98% · 215.9% interest on principal
Repayment mix over 15 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 198,756 | Ksh 11,822 | Ksh 988,178 |
| 2 | Ksh 394,921 | Ksh 26,235 | Ksh 973,765 |
| 3 | Ksh 587,928 | Ksh 43,807 | Ksh 956,193 |
| 4 | Ksh 777,084 | Ksh 65,229 | Ksh 934,771 |
| 5 | Ksh 961,545 | Ksh 91,347 | Ksh 908,653 |
| 6 | Ksh 1,140,282 | Ksh 123,188 | Ksh 876,812 |
| 7 | Ksh 1,312,041 | Ksh 162,007 | Ksh 837,993 |
| 8 | Ksh 1,475,293 | Ksh 209,333 | Ksh 790,667 |
| 9 | Ksh 1,628,174 | Ksh 267,031 | Ksh 732,969 |
| 10 | Ksh 1,768,410 | Ksh 337,373 | Ksh 662,627 |
| 11 | Ksh 1,893,230 | Ksh 423,131 | Ksh 576,869 |
| 12 | Ksh 1,999,257 | Ksh 527,683 | Ksh 472,317 |
| 13 | Ksh 2,082,371 | Ksh 655,147 | Ksh 344,853 |
| 14 | Ksh 2,137,550 | Ksh 810,546 | Ksh 189,454 |
| 15 | Ksh 2,158,674 | 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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