Access Bank Kenya loan calculator for Ksh 5,000,000 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 84,863
240 monthly payments
Estimated total repayment
Ksh 20,367,058
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 15,367,059
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 105,679
For 240 months · incl. fees
Total repaid
Ksh 24,339,592
Principal Ksh 5,000,000 + Ksh 19,339,592 extras
Effective APR
25.68%
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 5,000,000 |
| 1 | Ksh 997,126 | Ksh 21,227 | Ksh 4,978,773 |
| 2 | Ksh 1,989,599 | Ksh 47,107 | Ksh 4,952,893 |
| 3 | Ksh 2,976,401 | Ksh 78,657 | Ksh 4,921,343 |
| 4 | Ksh 3,956,289 | Ksh 117,123 | Ksh 4,882,877 |
| 5 | Ksh 4,927,747 | Ksh 164,018 | Ksh 4,835,983 |
| 6 | Ksh 5,888,928 | Ksh 221,189 | Ksh 4,778,811 |
| 7 | Ksh 6,837,580 | Ksh 290,891 | Ksh 4,709,109 |
| 8 | Ksh 7,770,956 | Ksh 375,867 | Ksh 4,624,133 |
| 9 | Ksh 8,685,710 | Ksh 479,466 | Ksh 4,520,534 |
| 10 | Ksh 9,577,760 | Ksh 605,769 | Ksh 4,394,231 |
| 11 | Ksh 10,442,131 | Ksh 759,751 | Ksh 4,240,249 |
| 12 | Ksh 11,272,756 | Ksh 947,479 | Ksh 4,052,521 |
| 13 | Ksh 12,062,240 | Ksh 1,176,348 | Ksh 3,823,652 |
| 14 | Ksh 12,801,568 | Ksh 1,455,373 | Ksh 3,544,627 |
| 15 | Ksh 13,479,747 | Ksh 1,795,547 | Ksh 3,204,453 |
| 16 | Ksh 14,083,376 | Ksh 2,210,271 | Ksh 2,789,729 |
| 17 | Ksh 14,596,118 | Ksh 2,715,882 | Ksh 2,284,118 |
| 18 | Ksh 14,998,055 | Ksh 3,332,298 | Ksh 1,667,702 |
| 19 | Ksh 15,264,903 | Ksh 4,083,802 | Ksh 916,198 |
| 20 | Ksh 15,367,059 | 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.