Access Bank Kenya loan calculator for Ksh 2,000,000 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 35,096
180 monthly payments
Estimated total repayment
Ksh 6,317,348
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 4,317,349
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%.
Change loan details
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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 43,423
For 180 months · incl. fees
Total repaid
Ksh 7,451,902
Principal Ksh 2,000,000 + Ksh 5,451,902 extras
Effective APR
25.77%
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 2,000,000 |
| 1 | Ksh 397,512 | Ksh 23,644 | Ksh 1,976,356 |
| 2 | Ksh 789,843 | Ksh 52,471 | Ksh 1,947,530 |
| 3 | Ksh 1,175,856 | Ksh 87,614 | Ksh 1,912,386 |
| 4 | Ksh 1,554,167 | Ksh 130,459 | Ksh 1,869,541 |
| 5 | Ksh 1,923,089 | Ksh 182,694 | Ksh 1,817,306 |
| 6 | Ksh 2,280,564 | Ksh 246,376 | Ksh 1,753,624 |
| 7 | Ksh 2,624,083 | Ksh 324,013 | Ksh 1,675,987 |
| 8 | Ksh 2,950,587 | Ksh 418,666 | Ksh 1,581,334 |
| 9 | Ksh 3,256,348 | Ksh 534,061 | Ksh 1,465,939 |
| 10 | Ksh 3,536,820 | Ksh 674,746 | Ksh 1,325,254 |
| 11 | Ksh 3,786,461 | Ksh 846,262 | Ksh 1,153,738 |
| 12 | Ksh 3,998,514 | Ksh 1,055,365 | Ksh 944,635 |
| 13 | Ksh 4,164,741 | Ksh 1,310,294 | Ksh 689,706 |
| 14 | Ksh 4,275,101 | Ksh 1,621,091 | Ksh 378,909 |
| 15 | Ksh 4,317,349 | Ksh 2,000,000 | 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.