Access Bank Kenya loan calculator for Ksh 500,000 over 3 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 18,577
36 monthly payments
Estimated total repayment
Ksh 668,761
Ksh 500,000 principal + interest
Estimated interest
Ksh 168,761
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 20,658
For 36 months · incl. fees
Total repaid
Ksh 728,460
Principal Ksh 500,000 + Ksh 228,460 extras
Effective APR
27.73%
Advertised rate 19.98% · 33.8% interest on principal
Repayment mix over 3 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 87,985 | Ksh 134,935 | Ksh 365,065 |
| 2 | Ksh 146,399 | Ksh 299,442 | Ksh 200,558 |
| 3 | Ksh 168,761 | 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.