Ecobank Kenya loan calculator for Ksh 10,000,000 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 153,587
120 monthly payments
Estimated total repayment
Ksh 18,430,480
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 8,430,480
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 184,787
For 120 months · incl. fees
Total repaid
Ksh 20,986,042
Principal Ksh 10,000,000 + Ksh 10,986,042 extras
Effective APR
18.21%
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 10,000,000 |
| 1 | Ksh 1,341,220 | Ksh 501,828 | Ksh 9,498,172 |
| 2 | Ksh 2,609,091 | Ksh 1,077,005 | Ksh 8,922,995 |
| 3 | Ksh 3,792,891 | Ksh 1,736,253 | Ksh 8,263,747 |
| 4 | Ksh 4,880,332 | Ksh 2,491,860 | Ksh 7,508,140 |
| 5 | Ksh 5,857,330 | Ksh 3,357,910 | Ksh 6,642,090 |
| 6 | Ksh 6,707,742 | Ksh 4,350,546 | Ksh 5,649,454 |
| 7 | Ksh 7,413,064 | Ksh 5,488,271 | Ksh 4,511,729 |
| 8 | Ksh 7,952,092 | Ksh 6,792,292 | Ksh 3,207,708 |
| 9 | Ksh 8,300,517 | Ksh 8,286,915 | Ksh 1,713,085 |
| 10 | Ksh 8,430,480 | Ksh 10,000,000 | 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.