Consolidated Bank of Kenya loan calculator for Ksh 100,000 over 15 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 1,306
180 monthly payments
Estimated total repayment
Ksh 235,015
Ksh 100,000 principal + interest
Estimated interest
Ksh 135,016
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 1,616
For 180 months · incl. fees
Total repaid
Ksh 279,439
Principal Ksh 100,000 + Ksh 179,439 extras
Effective APR
19.14%
Advertised rate 13.61% · 135.0% 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 13,477 | Ksh 2,191 | Ksh 97,809 |
| 2 | Ksh 26,636 | Ksh 4,700 | Ksh 95,300 |
| 3 | Ksh 39,431 | Ksh 7,572 | Ksh 92,428 |
| 4 | Ksh 51,811 | Ksh 10,860 | Ksh 89,140 |
| 5 | Ksh 63,714 | Ksh 14,625 | Ksh 85,375 |
| 6 | Ksh 75,071 | Ksh 18,935 | Ksh 81,065 |
| 7 | Ksh 85,803 | Ksh 23,871 | Ksh 76,129 |
| 8 | Ksh 95,821 | Ksh 29,521 | Ksh 70,479 |
| 9 | Ksh 105,019 | Ksh 35,990 | Ksh 64,010 |
| 10 | Ksh 113,280 | Ksh 43,397 | Ksh 56,603 |
| 11 | Ksh 120,468 | Ksh 51,877 | Ksh 48,123 |
| 12 | Ksh 126,427 | Ksh 61,586 | Ksh 38,414 |
| 13 | Ksh 130,978 | Ksh 72,702 | Ksh 27,298 |
| 14 | Ksh 133,919 | Ksh 85,429 | Ksh 14,571 |
| 15 | Ksh 135,016 | 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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