Access Bank Kenya loan calculator for Ksh 5,000,000 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 87,741
180 monthly payments
Estimated total repayment
Ksh 15,793,371
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 10,793,372
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 108,558
For 180 months · incl. fees
Total repaid
Ksh 18,622,255
Principal Ksh 5,000,000 + Ksh 13,622,255 extras
Effective APR
25.73%
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 5,000,000 |
| 1 | Ksh 993,780 | Ksh 59,111 | Ksh 4,940,889 |
| 2 | Ksh 1,974,607 | Ksh 131,176 | Ksh 4,868,824 |
| 3 | Ksh 2,939,640 | Ksh 219,035 | Ksh 4,780,965 |
| 4 | Ksh 3,885,418 | Ksh 326,147 | Ksh 4,673,853 |
| 5 | Ksh 4,807,723 | Ksh 456,734 | Ksh 4,543,266 |
| 6 | Ksh 5,701,410 | Ksh 615,939 | Ksh 4,384,061 |
| 7 | Ksh 6,560,207 | Ksh 810,034 | Ksh 4,189,966 |
| 8 | Ksh 7,376,467 | Ksh 1,046,664 | Ksh 3,953,336 |
| 9 | Ksh 8,140,870 | Ksh 1,335,153 | Ksh 3,664,847 |
| 10 | Ksh 8,842,050 | Ksh 1,686,865 | Ksh 3,313,135 |
| 11 | Ksh 9,466,152 | Ksh 2,115,654 | Ksh 2,884,346 |
| 12 | Ksh 9,996,284 | Ksh 2,638,413 | Ksh 2,361,587 |
| 13 | Ksh 10,411,853 | Ksh 3,275,736 | Ksh 1,724,264 |
| 14 | Ksh 10,687,752 | Ksh 4,052,729 | Ksh 947,271 |
| 15 | Ksh 10,793,372 | Ksh 5,000,000 | 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.