Ecobank Kenya loan calculator for Ksh 100,000 over 15 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 1,313
180 monthly payments
Estimated total repayment
Ksh 236,336
Ksh 100,000 principal + interest
Estimated interest
Ksh 136,337
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%.
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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 1,625
For 180 months · incl. fees
Total repaid
Ksh 281,041
Principal Ksh 100,000 + Ksh 181,041 extras
Effective APR
19.28%
Advertised rate 13.72% · 136.3% 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 13,587 | Ksh 2,169 | Ksh 97,831 |
| 2 | Ksh 26,857 | Ksh 4,655 | Ksh 95,345 |
| 3 | Ksh 39,764 | Ksh 7,504 | Ksh 92,496 |
| 4 | Ksh 52,254 | Ksh 10,769 | Ksh 89,231 |
| 5 | Ksh 64,267 | Ksh 14,512 | Ksh 85,488 |
| 6 | Ksh 75,732 | Ksh 18,802 | Ksh 81,198 |
| 7 | Ksh 86,571 | Ksh 23,719 | Ksh 76,281 |
| 8 | Ksh 96,691 | Ksh 29,355 | Ksh 70,645 |
| 9 | Ksh 105,987 | Ksh 35,815 | Ksh 64,185 |
| 10 | Ksh 114,340 | Ksh 43,218 | Ksh 56,782 |
| 11 | Ksh 121,610 | Ksh 51,704 | Ksh 48,296 |
| 12 | Ksh 127,639 | Ksh 61,430 | Ksh 38,570 |
| 13 | Ksh 132,247 | Ksh 72,578 | Ksh 27,422 |
| 14 | Ksh 135,226 | Ksh 85,355 | Ksh 14,645 |
| 15 | Ksh 136,337 | 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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