DIB Bank Kenya loan calculator for Ksh 100,000 over 20 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 1,457
240 monthly payments
Estimated total repayment
Ksh 349,661
Ksh 100,000 principal + interest
Estimated interest
Ksh 249,661
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 1,821
For 240 months · incl. fees
Total repaid
Ksh 421,893
Principal Ksh 100,000 + Ksh 321,893 extras
Effective APR
23.11%
Advertised rate 16.87% · 249.7% interest on principal
Repayment mix over 20 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 16,820 | Ksh 663 | Ksh 99,337 |
| 2 | Ksh 33,520 | Ksh 1,446 | Ksh 98,554 |
| 3 | Ksh 50,076 | Ksh 2,373 | Ksh 97,627 |
| 4 | Ksh 66,464 | Ksh 3,469 | Ksh 96,531 |
| 5 | Ksh 82,652 | Ksh 4,764 | Ksh 95,236 |
| 6 | Ksh 98,603 | Ksh 6,295 | Ksh 93,705 |
| 7 | Ksh 114,275 | Ksh 8,106 | Ksh 91,894 |
| 8 | Ksh 129,617 | Ksh 10,248 | Ksh 89,753 |
| 9 | Ksh 144,569 | Ksh 12,779 | Ksh 87,221 |
| 10 | Ksh 159,058 | Ksh 15,773 | Ksh 84,227 |
| 11 | Ksh 173,002 | Ksh 19,312 | Ksh 80,688 |
| 12 | Ksh 186,300 | Ksh 23,497 | Ksh 76,503 |
| 13 | Ksh 198,835 | Ksh 28,445 | Ksh 71,555 |
| 14 | Ksh 210,468 | Ksh 34,295 | Ksh 65,705 |
| 15 | Ksh 221,034 | Ksh 41,212 | Ksh 58,788 |
| 16 | Ksh 230,338 | Ksh 49,391 | Ksh 50,609 |
| 17 | Ksh 238,151 | Ksh 59,061 | Ksh 40,939 |
| 18 | Ksh 244,200 | Ksh 70,496 | Ksh 29,504 |
| 19 | Ksh 248,163 | Ksh 84,015 | Ksh 15,985 |
| 20 | Ksh 249,661 | 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.