Guaranty Trust Bank loan rate today.
Guaranty Trust Bank prices loans at a weighted-average of 15.61% per the Central Bank of Kenya — ranked #16 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 24,111/month.
Lending rate
15.61%
#16 of 38 cheapest
Monthly (1M · 5y)
Ksh 24,111
Industry avg Ksh 24,315
Total interest (1M · 5y)
Ksh 446,679
vs Ksh 458,907 at industry avg
Calculate your Guaranty Trust Bank loan
Enter any loan amount and term to see your monthly repayment, total cost, and full amortisation schedule.
Loan details
KESCentral Bank of Kenya · May 2025
-0.38 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 27,546
For 60 months · incl. fees
Total repaid
Ksh 1,594,630
Principal Ksh 1,000,000 + Ksh 594,630 extras
Effective APR
21.22%
Advertised rate 15.61% · 44.7% 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 1,000,000 |
| 1 | Ksh 146,142 | Ksh 143,194 | Ksh 856,806 |
| 2 | Ksh 268,260 | Ksh 310,411 | Ksh 689,589 |
| 3 | Ksh 362,325 | Ksh 505,682 | Ksh 494,318 |
| 4 | Ksh 423,630 | Ksh 733,713 | Ksh 266,287 |
| 5 | Ksh 446,679 | Ksh 1,000,000 | Ksh 0 |
About this loan rate
This page focuses on the current Guaranty Trust Bank loan rate and repayment calculator. Compare all banks on the loan interest rates today page.
Popular Guaranty Trust Bank loan scenarios
Pre-calculated repayments at Guaranty Trust Bank's current lending rate.
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