Ecobank Kenya loan calculator for Ksh 100,000 over 5 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 2,312
60 monthly payments
Estimated total repayment
Ksh 138,740
Ksh 100,000 principal + interest
Estimated interest
Ksh 38,740
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 2,624
For 60 months · incl. fees
Total repaid
Ksh 156,812
Principal Ksh 100,000 + Ksh 56,812 extras
Effective APR
21.24%
Advertised rate 13.72% · 38.7% 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 100,000 |
| 1 | Ksh 12,803 | Ksh 14,945 | Ksh 85,055 |
| 2 | Ksh 23,422 | Ksh 32,074 | Ksh 67,926 |
| 3 | Ksh 31,538 | Ksh 51,706 | Ksh 48,294 |
| 4 | Ksh 36,783 | Ksh 74,209 | Ksh 25,791 |
| 5 | Ksh 38,740 | 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.