Family Bank loan calculator for Ksh 100,000 over 15 years.
Estimate repayment for a Family Bank loan using the current 16.40% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,497
180 monthly payments
Estimated total repayment
Ksh 269,402
Ksh 100,000 principal + interest
Estimated interest
Ksh 169,403
At 16.40%
Current Family Bank loan interest rate
Family Bank is listed at 16.40% 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
+0.41 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,853
For 180 months · incl. fees
Total repaid
Ksh 321,113
Principal Ksh 100,000 + Ksh 221,113 extras
Effective APR
22.68%
Advertised rate 16.40% · 169.4% interest on principal
Repayment mix over 15 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 16,277 | Ksh 1,683 | Ksh 98,317 |
| 2 | Ksh 32,257 | Ksh 3,664 | Ksh 96,336 |
| 3 | Ksh 47,886 | Ksh 5,995 | Ksh 94,005 |
| 4 | Ksh 63,102 | Ksh 8,738 | Ksh 91,262 |
| 5 | Ksh 77,834 | Ksh 11,967 | Ksh 88,033 |
| 6 | Ksh 91,994 | Ksh 15,767 | Ksh 84,233 |
| 7 | Ksh 105,482 | Ksh 20,240 | Ksh 79,760 |
| 8 | Ksh 118,179 | Ksh 25,503 | Ksh 74,497 |
| 9 | Ksh 129,944 | Ksh 31,698 | Ksh 68,302 |
| 10 | Ksh 140,614 | Ksh 38,988 | Ksh 61,012 |
| 11 | Ksh 149,994 | Ksh 47,569 | Ksh 52,431 |
| 12 | Ksh 157,856 | Ksh 57,667 | Ksh 42,333 |
| 13 | Ksh 163,931 | Ksh 69,551 | Ksh 30,449 |
| 14 | Ksh 167,904 | Ksh 83,539 | Ksh 16,462 |
| 15 | Ksh 169,403 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.