DIB Bank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a DIB Bank Kenya loan using the current 16.87% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,730
120 monthly payments
Estimated total repayment
Ksh 207,570
Ksh 100,000 principal + interest
Estimated interest
Ksh 107,570
At 16.87%
Current DIB Bank Kenya loan interest rate
DIB Bank Kenya is listed at 16.87% 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
+0.88 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,094
For 120 months · incl. fees
Total repaid
Ksh 242,960
Principal Ksh 100,000 + Ksh 142,960 extras
Effective APR
23.71%
Advertised rate 16.87% · 107.6% 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 16,555 | Ksh 4,202 | Ksh 95,798 |
| 2 | Ksh 32,343 | Ksh 9,170 | Ksh 90,830 |
| 3 | Ksh 47,226 | Ksh 15,045 | Ksh 84,955 |
| 4 | Ksh 61,037 | Ksh 21,991 | Ksh 78,009 |
| 5 | Ksh 73,581 | Ksh 30,204 | Ksh 69,797 |
| 6 | Ksh 84,628 | Ksh 39,914 | Ksh 60,086 |
| 7 | Ksh 93,904 | Ksh 51,395 | Ksh 48,605 |
| 8 | Ksh 101,085 | Ksh 64,971 | Ksh 35,029 |
| 9 | Ksh 105,791 | Ksh 81,022 | Ksh 18,978 |
| 10 | Ksh 107,570 | 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.