Access Bank Kenya loan calculator for Ksh 1,000,000 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 16,973
240 monthly payments
Estimated total repayment
Ksh 4,073,412
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 3,073,412
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 21,136
For 240 months · incl. fees
Total repaid
Ksh 4,871,918
Principal Ksh 1,000,000 + Ksh 3,871,918 extras
Effective APR
25.79%
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 1,000,000 |
| 1 | Ksh 199,425 | Ksh 4,245 | Ksh 995,755 |
| 2 | Ksh 397,920 | Ksh 9,421 | Ksh 990,579 |
| 3 | Ksh 595,280 | Ksh 15,731 | Ksh 984,269 |
| 4 | Ksh 791,258 | Ksh 23,425 | Ksh 976,575 |
| 5 | Ksh 985,549 | Ksh 32,804 | Ksh 967,197 |
| 6 | Ksh 1,177,786 | Ksh 44,238 | Ksh 955,762 |
| 7 | Ksh 1,367,516 | Ksh 58,178 | Ksh 941,822 |
| 8 | Ksh 1,554,191 | Ksh 75,173 | Ksh 924,827 |
| 9 | Ksh 1,737,142 | Ksh 95,893 | Ksh 904,107 |
| 10 | Ksh 1,915,552 | Ksh 121,154 | Ksh 878,846 |
| 11 | Ksh 2,088,426 | Ksh 151,950 | Ksh 848,050 |
| 12 | Ksh 2,254,551 | Ksh 189,496 | Ksh 810,504 |
| 13 | Ksh 2,412,448 | Ksh 235,270 | Ksh 764,730 |
| 14 | Ksh 2,560,314 | Ksh 291,075 | Ksh 708,925 |
| 15 | Ksh 2,695,949 | Ksh 359,109 | Ksh 640,891 |
| 16 | Ksh 2,816,675 | Ksh 442,054 | Ksh 557,946 |
| 17 | Ksh 2,919,224 | Ksh 543,176 | Ksh 456,824 |
| 18 | Ksh 2,999,611 | Ksh 666,460 | Ksh 333,540 |
| 19 | Ksh 3,052,981 | Ksh 816,760 | Ksh 183,240 |
| 20 | Ksh 3,073,412 | 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.