Guaranty Trust Bank loan calculator for Ksh 100,000 over 15 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 1,442
180 monthly payments
Estimated total repayment
Ksh 259,488
Ksh 100,000 principal + interest
Estimated interest
Ksh 159,488
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%.
Change loan details
Edit the values below; results update instantly.
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 1,785
For 180 months · incl. fees
Total repaid
Ksh 309,103
Principal Ksh 100,000 + Ksh 209,103 extras
Effective APR
21.68%
Advertised rate 15.61% · 159.5% 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 15,484 | Ksh 1,815 | Ksh 98,185 |
| 2 | Ksh 30,663 | Ksh 3,935 | Ksh 96,065 |
| 3 | Ksh 45,486 | Ksh 6,411 | Ksh 93,589 |
| 4 | Ksh 59,895 | Ksh 9,302 | Ksh 90,698 |
| 5 | Ksh 73,818 | Ksh 12,678 | Ksh 87,322 |
| 6 | Ksh 87,174 | Ksh 16,621 | Ksh 83,379 |
| 7 | Ksh 99,870 | Ksh 21,225 | Ksh 78,775 |
| 8 | Ksh 111,793 | Ksh 26,601 | Ksh 73,399 |
| 9 | Ksh 122,814 | Ksh 32,879 | Ksh 67,121 |
| 10 | Ksh 132,781 | Ksh 40,211 | Ksh 59,789 |
| 11 | Ksh 141,519 | Ksh 48,772 | Ksh 51,228 |
| 12 | Ksh 148,821 | Ksh 58,770 | Ksh 41,230 |
| 13 | Ksh 154,445 | Ksh 70,445 | Ksh 29,555 |
| 14 | Ksh 158,110 | Ksh 84,079 | Ksh 15,921 |
| 15 | Ksh 159,488 | 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.