Guaranty Trust Bank loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Guaranty Trust Bank loan using the current 15.61% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,651
120 monthly payments
Estimated total repayment
Ksh 198,109
Ksh 100,000 principal + interest
Estimated interest
Ksh 98,109
At 15.61%
Current Guaranty Trust Bank loan interest rate
Guaranty Trust Bank is listed at 15.61% 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
-0.38 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,994
For 120 months · incl. fees
Total repaid
Ksh 231,516
Principal Ksh 100,000 + Ksh 131,516 extras
Effective APR
22.12%
Advertised rate 15.61% · 98.1% 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 100,000 |
| 1 | Ksh 15,296 | Ksh 4,515 | Ksh 95,485 |
| 2 | Ksh 29,835 | Ksh 9,787 | Ksh 90,213 |
| 3 | Ksh 43,489 | Ksh 15,944 | Ksh 84,056 |
| 4 | Ksh 56,110 | Ksh 23,134 | Ksh 76,866 |
| 5 | Ksh 67,525 | Ksh 31,530 | Ksh 68,470 |
| 6 | Ksh 77,531 | Ksh 41,334 | Ksh 58,666 |
| 7 | Ksh 85,893 | Ksh 52,784 | Ksh 47,216 |
| 8 | Ksh 92,333 | Ksh 66,154 | Ksh 33,846 |
| 9 | Ksh 96,531 | Ksh 81,767 | Ksh 18,233 |
| 10 | Ksh 98,109 | 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.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.