Access Bank Kenya loan calculator for Ksh 5,000,000 over 5 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 132,414
60 monthly payments
Estimated total repayment
Ksh 7,944,827
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 2,944,827
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 153,230
For 60 months · incl. fees
Total repaid
Ksh 8,811,181
Principal Ksh 5,000,000 + Ksh 3,811,181 extras
Effective APR
26.34%
Advertised rate 19.98% · 58.9% interest on principal
Repayment mix over 5 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 941,860 | Ksh 647,105 | Ksh 4,352,895 |
| 2 | Ksh 1,741,906 | Ksh 1,436,025 | Ksh 3,563,975 |
| 3 | Ksh 2,369,060 | Ksh 2,397,836 | Ksh 2,602,164 |
| 4 | Ksh 2,785,431 | Ksh 3,570,430 | Ksh 1,429,570 |
| 5 | Ksh 2,944,827 | 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.