Access Bank Kenya loan calculator for Ksh 10,000,000 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 169,725
240 monthly payments
Estimated total repayment
Ksh 40,734,118
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 30,734,117
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 211,359
For 240 months · incl. fees
Total repaid
Ksh 48,674,185
Principal Ksh 10,000,000 + Ksh 38,674,185 extras
Effective APR
25.66%
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 10,000,000 |
| 1 | Ksh 1,994,251 | Ksh 42,455 | Ksh 9,957,545 |
| 2 | Ksh 3,979,198 | Ksh 94,213 | Ksh 9,905,787 |
| 3 | Ksh 5,952,803 | Ksh 157,315 | Ksh 9,842,685 |
| 4 | Ksh 7,912,578 | Ksh 234,245 | Ksh 9,765,755 |
| 5 | Ksh 9,855,494 | Ksh 328,035 | Ksh 9,671,965 |
| 6 | Ksh 11,777,856 | Ksh 442,379 | Ksh 9,557,621 |
| 7 | Ksh 13,675,160 | Ksh 581,781 | Ksh 9,418,219 |
| 8 | Ksh 15,541,913 | Ksh 751,734 | Ksh 9,248,266 |
| 9 | Ksh 17,371,420 | Ksh 958,932 | Ksh 9,041,068 |
| 10 | Ksh 19,155,521 | Ksh 1,211,538 | Ksh 8,788,462 |
| 11 | Ksh 20,884,262 | Ksh 1,519,503 | Ksh 8,480,497 |
| 12 | Ksh 22,545,512 | Ksh 1,894,958 | Ksh 8,105,042 |
| 13 | Ksh 24,124,481 | Ksh 2,352,695 | Ksh 7,647,305 |
| 14 | Ksh 25,603,136 | Ksh 2,910,746 | Ksh 7,089,254 |
| 15 | Ksh 26,959,494 | Ksh 3,591,094 | Ksh 6,408,906 |
| 16 | Ksh 28,166,752 | Ksh 4,420,542 | Ksh 5,579,458 |
| 17 | Ksh 29,192,236 | Ksh 5,431,764 | Ksh 4,568,236 |
| 18 | Ksh 29,996,110 | Ksh 6,664,596 | Ksh 3,335,404 |
| 19 | Ksh 30,529,807 | Ksh 8,167,605 | Ksh 1,832,395 |
| 20 | Ksh 30,734,117 | 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.