Ecobank Kenya loan calculator for Ksh 100,000 over 20 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 1,223
240 monthly payments
Estimated total repayment
Ksh 293,578
Ksh 100,000 principal + interest
Estimated interest
Ksh 193,577
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 1,535
For 240 months · incl. fees
Total repaid
Ksh 353,901
Principal Ksh 100,000 + Ksh 253,901 extras
Effective APR
19.08%
Advertised rate 13.72% · 193.6% 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 13,657 | Ksh 1,022 | Ksh 98,979 |
| 2 | Ksh 27,165 | Ksh 2,192 | Ksh 97,808 |
| 3 | Ksh 40,502 | Ksh 3,534 | Ksh 96,466 |
| 4 | Ksh 53,643 | Ksh 5,072 | Ksh 94,928 |
| 5 | Ksh 66,559 | Ksh 6,835 | Ksh 93,165 |
| 6 | Ksh 79,217 | Ksh 8,856 | Ksh 91,144 |
| 7 | Ksh 91,580 | Ksh 11,172 | Ksh 88,828 |
| 8 | Ksh 103,605 | Ksh 13,826 | Ksh 86,174 |
| 9 | Ksh 115,241 | Ksh 16,869 | Ksh 83,131 |
| 10 | Ksh 126,433 | Ksh 20,356 | Ksh 79,644 |
| 11 | Ksh 137,115 | Ksh 24,352 | Ksh 75,648 |
| 12 | Ksh 147,213 | Ksh 28,933 | Ksh 71,067 |
| 13 | Ksh 156,641 | Ksh 34,184 | Ksh 65,816 |
| 14 | Ksh 165,302 | Ksh 40,202 | Ksh 59,798 |
| 15 | Ksh 173,083 | Ksh 47,099 | Ksh 52,901 |
| 16 | Ksh 179,856 | Ksh 55,005 | Ksh 44,995 |
| 17 | Ksh 185,474 | Ksh 64,067 | Ksh 35,933 |
| 18 | Ksh 189,767 | Ksh 74,452 | Ksh 25,548 |
| 19 | Ksh 192,542 | Ksh 86,356 | Ksh 13,644 |
| 20 | Ksh 193,577 | 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.