Guaranty Trust Bank loan calculator for Ksh 100,000 over 3 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 3,496
36 monthly payments
Estimated total repayment
Ksh 125,873
Ksh 100,000 principal + interest
Estimated interest
Ksh 25,873
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 3,840
For 36 months · incl. fees
Total repaid
Ksh 140,205
Principal Ksh 100,000 + Ksh 40,205 extras
Effective APR
25.61%
Advertised rate 15.61% · 25.9% interest on principal
Repayment mix over 3 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 13,641 | Ksh 28,317 | Ksh 71,683 |
| 2 | Ksh 22,531 | Ksh 61,385 | Ksh 38,615 |
| 3 | Ksh 25,873 | 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.