Commercial International Bank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Commercial International Bank Kenya loan using the current 20.00% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,933
120 monthly payments
Estimated total repayment
Ksh 231,907
Ksh 100,000 principal + interest
Estimated interest
Ksh 131,907
At 20.00%
Current Commercial International Bank Kenya loan interest rate
Commercial International Bank Kenya is listed at 20.00% 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
+4.01 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,349
For 120 months · incl. fees
Total repaid
Ksh 272,384
Principal Ksh 100,000 + Ksh 172,384 extras
Effective APR
27.66%
Advertised rate 20.00% · 131.9% interest on principal
Repayment mix over 10 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 19,691 | Ksh 3,500 | Ksh 96,500 |
| 2 | Ksh 38,613 | Ksh 7,768 | Ksh 92,232 |
| 3 | Ksh 56,600 | Ksh 12,972 | Ksh 87,028 |
| 4 | Ksh 73,445 | Ksh 19,318 | Ksh 80,682 |
| 5 | Ksh 88,897 | Ksh 27,057 | Ksh 72,944 |
| 6 | Ksh 102,652 | Ksh 36,492 | Ksh 63,508 |
| 7 | Ksh 114,336 | Ksh 47,999 | Ksh 52,001 |
| 8 | Ksh 123,496 | Ksh 62,029 | Ksh 37,971 |
| 9 | Ksh 129,578 | Ksh 79,138 | Ksh 20,862 |
| 10 | Ksh 131,907 | 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.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.