Consolidated Bank of Kenya loan calculator for Ksh 100,000 over 3 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 3,399
36 monthly payments
Estimated total repayment
Ksh 122,359
Ksh 100,000 principal + interest
Estimated interest
Ksh 22,359
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 3,709
For 36 months · incl. fees
Total repaid
Ksh 135,973
Principal Ksh 100,000 + Ksh 35,973 extras
Effective APR
23.11%
Advertised rate 13.61% · 22.4% interest on principal
Repayment mix over 3 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 11,849 | Ksh 28,937 | Ksh 71,063 |
| 2 | Ksh 19,504 | Ksh 62,068 | Ksh 37,932 |
| 3 | Ksh 22,359 | 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.