Co-operative Bank of Kenya loan calculator for Ksh 100,000 over 15 years.
Estimate repayment for a Co-operative Bank of Kenya loan using the current 16.10% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,476
180 monthly payments
Estimated total repayment
Ksh 265,622
Ksh 100,000 principal + interest
Estimated interest
Ksh 165,622
At 16.10%
Current Co-operative Bank of Kenya loan interest rate
Co-operative Bank of Kenya is listed at 16.10% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
Change loan details
Edit the values below; results update instantly.
Loan details
KESCentral Bank of Kenya · May 2025
+0.11 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,827
For 180 months · incl. fees
Total repaid
Ksh 316,534
Principal Ksh 100,000 + Ksh 216,534 extras
Effective APR
22.30%
Advertised rate 16.10% · 165.6% 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 100,000 |
| 1 | Ksh 15,976 | Ksh 1,732 | Ksh 98,268 |
| 2 | Ksh 31,651 | Ksh 3,765 | Ksh 96,235 |
| 3 | Ksh 46,974 | Ksh 6,150 | Ksh 93,850 |
| 4 | Ksh 61,883 | Ksh 8,949 | Ksh 91,051 |
| 5 | Ksh 76,307 | Ksh 12,233 | Ksh 87,767 |
| 6 | Ksh 90,162 | Ksh 16,087 | Ksh 83,913 |
| 7 | Ksh 103,347 | Ksh 20,610 | Ksh 79,390 |
| 8 | Ksh 115,749 | Ksh 25,916 | Ksh 74,084 |
| 9 | Ksh 127,230 | Ksh 32,143 | Ksh 67,857 |
| 10 | Ksh 137,632 | Ksh 39,450 | Ksh 60,550 |
| 11 | Ksh 146,766 | Ksh 48,024 | Ksh 51,976 |
| 12 | Ksh 154,413 | Ksh 58,085 | Ksh 41,915 |
| 13 | Ksh 160,315 | Ksh 69,891 | Ksh 30,109 |
| 14 | Ksh 164,170 | Ksh 83,744 | Ksh 16,256 |
| 15 | Ksh 165,622 | Ksh 100,000 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.