DIB Bank Kenya loan calculator for Ksh 100,000 over 15 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 1,530
180 monthly payments
Estimated total repayment
Ksh 275,364
Ksh 100,000 principal + interest
Estimated interest
Ksh 175,364
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 1,894
For 180 months · incl. fees
Total repaid
Ksh 328,332
Principal Ksh 100,000 + Ksh 228,332 extras
Effective APR
23.28%
Advertised rate 16.87% · 175.4% 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 16,749 | Ksh 1,608 | Ksh 98,392 |
| 2 | Ksh 33,206 | Ksh 3,510 | Ksh 96,490 |
| 3 | Ksh 49,315 | Ksh 5,758 | Ksh 94,242 |
| 4 | Ksh 65,014 | Ksh 8,416 | Ksh 91,584 |
| 5 | Ksh 80,229 | Ksh 11,559 | Ksh 88,441 |
| 6 | Ksh 94,870 | Ksh 15,276 | Ksh 84,724 |
| 7 | Ksh 108,833 | Ksh 19,670 | Ksh 80,330 |
| 8 | Ksh 121,996 | Ksh 24,865 | Ksh 75,135 |
| 9 | Ksh 134,210 | Ksh 31,008 | Ksh 68,992 |
| 10 | Ksh 145,305 | Ksh 38,272 | Ksh 61,728 |
| 11 | Ksh 155,074 | Ksh 46,859 | Ksh 53,141 |
| 12 | Ksh 163,278 | Ksh 57,014 | Ksh 42,986 |
| 13 | Ksh 169,629 | Ksh 69,020 | Ksh 30,980 |
| 14 | Ksh 173,791 | Ksh 83,215 | Ksh 16,785 |
| 15 | Ksh 175,364 | 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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