Access Bank Kenya loan calculator for Ksh 500,000 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 9,656
120 monthly payments
Estimated total repayment
Ksh 1,158,738
Ksh 500,000 principal + interest
Estimated interest
Ksh 658,739
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 11,738
For 120 months · incl. fees
Total repaid
Ksh 1,340,956
Principal Ksh 500,000 + Ksh 840,956 extras
Effective APR
26.17%
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 500,000 |
| 1 | Ksh 98,353 | Ksh 17,521 | Ksh 482,479 |
| 2 | Ksh 192,866 | Ksh 38,882 | Ksh 461,118 |
| 3 | Ksh 282,698 | Ksh 64,924 | Ksh 435,076 |
| 4 | Ksh 366,823 | Ksh 96,673 | Ksh 403,327 |
| 5 | Ksh 443,990 | Ksh 135,380 | Ksh 364,620 |
| 6 | Ksh 512,674 | Ksh 182,569 | Ksh 317,431 |
| 7 | Ksh 571,017 | Ksh 240,100 | Ksh 259,900 |
| 8 | Ksh 616,751 | Ksh 310,240 | Ksh 189,760 |
| 9 | Ksh 647,115 | Ksh 395,750 | Ksh 104,250 |
| 10 | Ksh 658,739 | Ksh 500,000 | 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.