Ecobank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Ecobank Kenya loan using the current 13.72% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,536
120 monthly payments
Estimated total repayment
Ksh 184,304
Ksh 100,000 principal + interest
Estimated interest
Ksh 84,305
At 13.72%
Current Ecobank Kenya loan interest rate
Ecobank Kenya is listed at 13.72% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
Change loan details
Edit the values below; results update instantly.
Loan details
KESCentral Bank of Kenya · May 2025
-2.27 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,848
For 120 months · incl. fees
Total repaid
Ksh 214,810
Principal Ksh 100,000 + Ksh 114,810 extras
Effective APR
19.74%
Advertised rate 13.72% · 84.3% 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 13,412 | Ksh 5,018 | Ksh 94,982 |
| 2 | Ksh 26,091 | Ksh 10,770 | Ksh 89,230 |
| 3 | Ksh 37,929 | Ksh 17,363 | Ksh 82,637 |
| 4 | Ksh 48,803 | Ksh 24,919 | Ksh 75,081 |
| 5 | Ksh 58,573 | Ksh 33,579 | Ksh 66,421 |
| 6 | Ksh 67,077 | Ksh 43,505 | Ksh 56,495 |
| 7 | Ksh 74,131 | Ksh 54,883 | Ksh 45,117 |
| 8 | Ksh 79,521 | Ksh 67,923 | Ksh 32,077 |
| 9 | Ksh 83,005 | Ksh 82,869 | Ksh 17,131 |
| 10 | Ksh 84,305 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.