Credit Bank loan rate today.
Credit Bank prices loans at a weighted-average of 19.41% per the Central Bank of Kenya — ranked #35 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 26,167/month.
Lending rate
19.41%
#35 of 38 cheapest
Monthly (1M · 5y)
Ksh 26,167
Industry avg Ksh 24,315
Total interest (1M · 5y)
Ksh 570,000
vs Ksh 458,907 at industry avg
Calculate your Credit Bank loan
Enter any loan amount and term to see your monthly repayment, total cost, and full amortisation schedule.
Loan details
KESCentral Bank of Kenya · May 2025
+3.42 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 30,235
For 60 months · incl. fees
Total repaid
Ksh 1,743,367
Principal Ksh 1,000,000 + Ksh 743,367 extras
Effective APR
25.86%
Advertised rate 19.41% · 57.0% interest on principal
Repayment mix over 5 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 182,837 | Ksh 131,163 | Ksh 868,837 |
| 2 | Ksh 337,823 | Ksh 290,177 | Ksh 709,823 |
| 3 | Ksh 459,046 | Ksh 482,954 | Ksh 517,046 |
| 4 | Ksh 539,335 | Ksh 716,665 | Ksh 283,335 |
| 5 | Ksh 570,000 | Ksh 1,000,000 | Ksh 0 |
About this loan rate
This page focuses on the current Credit Bank loan rate and repayment calculator. Compare all banks on the loan interest rates today page.
Popular Credit Bank loan scenarios
Pre-calculated repayments at Credit Bank's current lending rate.
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