Access Bank Kenya loan calculator for Ksh 500,000 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 8,774
180 monthly payments
Estimated total repayment
Ksh 1,579,338
Ksh 500,000 principal + interest
Estimated interest
Ksh 1,079,337
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 10,856
For 180 months · incl. fees
Total repaid
Ksh 1,866,726
Principal Ksh 500,000 + Ksh 1,366,726 extras
Effective APR
25.99%
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 500,000 |
| 1 | Ksh 99,378 | Ksh 5,911 | Ksh 494,089 |
| 2 | Ksh 197,461 | Ksh 13,118 | Ksh 486,882 |
| 3 | Ksh 293,964 | Ksh 21,903 | Ksh 478,097 |
| 4 | Ksh 388,542 | Ksh 32,615 | Ksh 467,385 |
| 5 | Ksh 480,772 | Ksh 45,673 | Ksh 454,327 |
| 6 | Ksh 570,141 | Ksh 61,594 | Ksh 438,406 |
| 7 | Ksh 656,021 | Ksh 81,003 | Ksh 418,997 |
| 8 | Ksh 737,647 | Ksh 104,666 | Ksh 395,334 |
| 9 | Ksh 814,087 | Ksh 133,515 | Ksh 366,485 |
| 10 | Ksh 884,205 | Ksh 168,686 | Ksh 331,314 |
| 11 | Ksh 946,615 | Ksh 211,565 | Ksh 288,435 |
| 12 | Ksh 999,628 | Ksh 263,841 | Ksh 236,159 |
| 13 | Ksh 1,041,185 | Ksh 327,574 | Ksh 172,426 |
| 14 | Ksh 1,068,775 | Ksh 405,273 | Ksh 94,727 |
| 15 | Ksh 1,079,337 | 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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