Ecobank Kenya loan calculator for Ksh 5,000,000 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 76,794
120 monthly payments
Estimated total repayment
Ksh 9,215,240
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 4,215,240
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 92,394
For 120 months · incl. fees
Total repaid
Ksh 10,495,521
Principal Ksh 5,000,000 + Ksh 5,495,521 extras
Effective APR
18.22%
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 5,000,000 |
| 1 | Ksh 670,610 | Ksh 250,914 | Ksh 4,749,086 |
| 2 | Ksh 1,304,546 | Ksh 538,502 | Ksh 4,461,498 |
| 3 | Ksh 1,896,446 | Ksh 868,126 | Ksh 4,131,874 |
| 4 | Ksh 2,440,166 | Ksh 1,245,930 | Ksh 3,754,070 |
| 5 | Ksh 2,928,665 | Ksh 1,678,955 | Ksh 3,321,045 |
| 6 | Ksh 3,353,871 | Ksh 2,175,273 | Ksh 2,824,727 |
| 7 | Ksh 3,706,532 | Ksh 2,744,136 | Ksh 2,255,864 |
| 8 | Ksh 3,976,046 | Ksh 3,396,146 | Ksh 1,603,854 |
| 9 | Ksh 4,150,258 | Ksh 4,143,458 | Ksh 856,542 |
| 10 | Ksh 4,215,240 | Ksh 5,000,000 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.