Consolidated Bank of Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Consolidated Bank of Kenya loan using the current 13.61% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,529
120 monthly payments
Estimated total repayment
Ksh 183,516
Ksh 100,000 principal + interest
Estimated interest
Ksh 83,516
At 13.61%
Current Consolidated Bank of Kenya loan interest rate
Consolidated Bank of Kenya is listed at 13.61% 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
-2.38 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,839
For 120 months · incl. fees
Total repaid
Ksh 213,856
Principal Ksh 100,000 + Ksh 113,856 extras
Effective APR
19.60%
Advertised rate 13.61% · 83.5% 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 13,303 | Ksh 5,049 | Ksh 94,951 |
| 2 | Ksh 25,874 | Ksh 10,829 | Ksh 89,171 |
| 3 | Ksh 37,607 | Ksh 17,448 | Ksh 82,552 |
| 4 | Ksh 48,381 | Ksh 25,025 | Ksh 74,975 |
| 5 | Ksh 58,058 | Ksh 33,700 | Ksh 66,300 |
| 6 | Ksh 66,476 | Ksh 43,633 | Ksh 56,367 |
| 7 | Ksh 73,456 | Ksh 55,005 | Ksh 44,995 |
| 8 | Ksh 78,787 | Ksh 68,026 | Ksh 31,974 |
| 9 | Ksh 82,232 | Ksh 82,933 | Ksh 17,067 |
| 10 | Ksh 83,516 | 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.