Guaranty Trust Bank loan calculator for Ksh 100,000 over 20 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 1,362
240 monthly payments
Estimated total repayment
Ksh 326,899
Ksh 100,000 principal + interest
Estimated interest
Ksh 226,899
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 1,706
For 240 months · incl. fees
Total repaid
Ksh 394,314
Principal Ksh 100,000 + Ksh 294,314 extras
Effective APR
21.50%
Advertised rate 15.61% · 226.9% interest on principal
Repayment mix over 20 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 15,555 | Ksh 790 | Ksh 99,210 |
| 2 | Ksh 30,978 | Ksh 1,712 | Ksh 98,288 |
| 3 | Ksh 46,245 | Ksh 2,789 | Ksh 97,211 |
| 4 | Ksh 61,333 | Ksh 4,047 | Ksh 95,953 |
| 5 | Ksh 76,209 | Ksh 5,516 | Ksh 94,484 |
| 6 | Ksh 90,838 | Ksh 7,231 | Ksh 92,769 |
| 7 | Ksh 105,180 | Ksh 9,235 | Ksh 90,765 |
| 8 | Ksh 119,186 | Ksh 11,574 | Ksh 88,426 |
| 9 | Ksh 132,799 | Ksh 14,305 | Ksh 85,695 |
| 10 | Ksh 145,954 | Ksh 17,495 | Ksh 82,505 |
| 11 | Ksh 158,574 | Ksh 21,220 | Ksh 78,780 |
| 12 | Ksh 170,569 | Ksh 25,570 | Ksh 74,430 |
| 13 | Ksh 181,835 | Ksh 30,650 | Ksh 69,350 |
| 14 | Ksh 192,248 | Ksh 36,582 | Ksh 63,418 |
| 15 | Ksh 201,666 | Ksh 43,509 | Ksh 56,491 |
| 16 | Ksh 209,921 | Ksh 51,598 | Ksh 48,402 |
| 17 | Ksh 216,820 | Ksh 61,044 | Ksh 38,956 |
| 18 | Ksh 222,134 | Ksh 72,075 | Ksh 27,925 |
| 19 | Ksh 225,597 | Ksh 84,957 | Ksh 15,043 |
| 20 | Ksh 226,899 | 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.