Access Bank Kenya loan calculator for Ksh 500,000 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 8,486
240 monthly payments
Estimated total repayment
Ksh 2,036,705
Ksh 500,000 principal + interest
Estimated interest
Ksh 1,536,706
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 10,568
For 240 months · incl. fees
Total repaid
Ksh 2,438,459
Principal Ksh 500,000 + Ksh 1,938,459 extras
Effective APR
25.93%
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 500,000 |
| 1 | Ksh 99,713 | Ksh 2,123 | Ksh 497,877 |
| 2 | Ksh 198,960 | Ksh 4,711 | Ksh 495,289 |
| 3 | Ksh 297,640 | Ksh 7,866 | Ksh 492,134 |
| 4 | Ksh 395,629 | Ksh 11,712 | Ksh 488,288 |
| 5 | Ksh 492,775 | Ksh 16,402 | Ksh 483,598 |
| 6 | Ksh 588,893 | Ksh 22,119 | Ksh 477,881 |
| 7 | Ksh 683,758 | Ksh 29,089 | Ksh 470,911 |
| 8 | Ksh 777,096 | Ksh 37,587 | Ksh 462,413 |
| 9 | Ksh 868,571 | Ksh 47,947 | Ksh 452,053 |
| 10 | Ksh 957,776 | Ksh 60,577 | Ksh 439,423 |
| 11 | Ksh 1,044,213 | Ksh 75,975 | Ksh 424,025 |
| 12 | Ksh 1,127,276 | Ksh 94,748 | Ksh 405,252 |
| 13 | Ksh 1,206,224 | Ksh 117,635 | Ksh 382,365 |
| 14 | Ksh 1,280,157 | Ksh 145,537 | Ksh 354,463 |
| 15 | Ksh 1,347,975 | Ksh 179,555 | Ksh 320,445 |
| 16 | Ksh 1,408,338 | Ksh 221,027 | Ksh 278,973 |
| 17 | Ksh 1,459,612 | Ksh 271,588 | Ksh 228,412 |
| 18 | Ksh 1,499,805 | Ksh 333,230 | Ksh 166,770 |
| 19 | Ksh 1,526,490 | Ksh 408,380 | Ksh 91,620 |
| 20 | Ksh 1,536,706 | 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.