Consolidated Bank of Kenya loan calculator for Ksh 1,000,000 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 13,056
180 monthly payments
Estimated total repayment
Ksh 2,350,156
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,350,156
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 16,158
For 180 months · incl. fees
Total repaid
Ksh 2,749,390
Principal Ksh 1,000,000 + Ksh 1,749,390 extras
Effective APR
18.03%
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 1,000,000 |
| 1 | Ksh 134,767 | Ksh 21,910 | Ksh 978,090 |
| 2 | Ksh 266,358 | Ksh 46,996 | Ksh 953,004 |
| 3 | Ksh 394,314 | Ksh 75,717 | Ksh 924,283 |
| 4 | Ksh 518,108 | Ksh 108,600 | Ksh 891,400 |
| 5 | Ksh 637,136 | Ksh 146,249 | Ksh 853,751 |
| 6 | Ksh 750,708 | Ksh 189,354 | Ksh 810,646 |
| 7 | Ksh 858,034 | Ksh 238,705 | Ksh 761,295 |
| 8 | Ksh 958,208 | Ksh 295,209 | Ksh 704,791 |
| 9 | Ksh 1,050,193 | Ksh 359,901 | Ksh 640,099 |
| 10 | Ksh 1,132,803 | Ksh 433,967 | Ksh 566,033 |
| 11 | Ksh 1,204,680 | Ksh 518,768 | Ksh 481,232 |
| 12 | Ksh 1,264,267 | Ksh 615,858 | Ksh 384,142 |
| 13 | Ksh 1,309,784 | Ksh 727,018 | Ksh 272,982 |
| 14 | Ksh 1,339,192 | Ksh 854,287 | Ksh 145,713 |
| 15 | Ksh 1,350,156 | Ksh 1,000,000 | 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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