Ecobank Kenya loan calculator for Ksh 5,000,000 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 115,617
60 monthly payments
Estimated total repayment
Ksh 6,937,003
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 1,937,003
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 131,217
For 60 months · incl. fees
Total repaid
Ksh 7,595,585
Principal Ksh 5,000,000 + Ksh 2,595,585 extras
Effective APR
18.72%
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 5,000,000 |
| 1 | Ksh 640,169 | Ksh 747,232 | Ksh 4,252,768 |
| 2 | Ksh 1,171,118 | Ksh 1,603,683 | Ksh 3,396,317 |
| 3 | Ksh 1,576,884 | Ksh 2,585,318 | Ksh 2,414,682 |
| 4 | Ksh 1,839,170 | Ksh 3,710,433 | Ksh 1,289,567 |
| 5 | Ksh 1,937,003 | 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.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.