Guaranty Trust Bank loan calculator for Ksh 100,000 over 5 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 2,411
60 monthly payments
Estimated total repayment
Ksh 144,668
Ksh 100,000 principal + interest
Estimated interest
Ksh 44,668
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 2,755
For 60 months · incl. fees
Total repaid
Ksh 163,963
Principal Ksh 100,000 + Ksh 63,963 extras
Effective APR
23.60%
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 100,000 |
| 1 | Ksh 14,614 | Ksh 14,319 | Ksh 85,681 |
| 2 | Ksh 26,826 | Ksh 31,041 | Ksh 68,959 |
| 3 | Ksh 36,233 | Ksh 50,568 | Ksh 49,432 |
| 4 | Ksh 42,363 | Ksh 73,371 | Ksh 26,629 |
| 5 | Ksh 44,668 | 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.