Access Bank Kenya loan calculator for Ksh 10,000,000 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 193,123
120 monthly payments
Estimated total repayment
Ksh 23,174,771
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 13,174,770
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 234,756
For 120 months · incl. fees
Total repaid
Ksh 26,724,122
Principal Ksh 10,000,000 + Ksh 16,724,122 extras
Effective APR
25.84%
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 10,000,000 |
| 1 | Ksh 1,967,058 | Ksh 350,419 | Ksh 9,649,581 |
| 2 | Ksh 3,857,321 | Ksh 777,634 | Ksh 9,222,367 |
| 3 | Ksh 5,653,959 | Ksh 1,298,472 | Ksh 8,701,528 |
| 4 | Ksh 7,336,455 | Ksh 1,933,453 | Ksh 8,066,547 |
| 5 | Ksh 8,879,794 | Ksh 2,707,591 | Ksh 7,292,409 |
| 6 | Ksh 10,253,480 | Ksh 3,651,383 | Ksh 6,348,617 |
| 7 | Ksh 11,420,332 | Ksh 4,802,007 | Ksh 5,197,993 |
| 8 | Ksh 12,335,024 | Ksh 6,204,792 | Ksh 3,795,208 |
| 9 | Ksh 12,942,294 | Ksh 7,914,999 | Ksh 2,085,001 |
| 10 | Ksh 13,174,770 | Ksh 10,000,000 | 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.