DIB Bank Kenya loan calculator for Ksh 5,000,000 over 5 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 123,914
60 monthly payments
Estimated total repayment
Ksh 7,434,818
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 2,434,819
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 142,139
For 60 months · incl. fees
Total repaid
Ksh 8,196,111
Principal Ksh 5,000,000 + Ksh 3,196,111 extras
Effective APR
22.55%
Advertised rate 16.87% · 48.7% 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 5,000,000 |
| 1 | Ksh 791,340 | Ksh 695,624 | Ksh 4,304,376 |
| 2 | Ksh 1,455,815 | Ksh 1,518,112 | Ksh 3,481,888 |
| 3 | Ksh 1,970,290 | Ksh 2,490,602 | Ksh 2,509,398 |
| 4 | Ksh 2,307,406 | Ksh 3,640,449 | Ksh 1,359,551 |
| 5 | Ksh 2,434,819 | Ksh 5,000,000 | 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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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.