Guaranty Trust Bank loan calculator for Ksh 5,000,000 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 72,080
180 monthly payments
Estimated total repayment
Ksh 12,974,405
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 7,974,406
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
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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 89,255
For 180 months · incl. fees
Total repaid
Ksh 15,210,139
Principal Ksh 5,000,000 + Ksh 10,210,139 extras
Effective APR
20.38%
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 5,000,000 |
| 1 | Ksh 774,187 | Ksh 90,773 | Ksh 4,909,227 |
| 2 | Ksh 1,533,146 | Ksh 196,775 | Ksh 4,803,225 |
| 3 | Ksh 2,274,321 | Ksh 320,560 | Ksh 4,679,440 |
| 4 | Ksh 2,994,729 | Ksh 465,112 | Ksh 4,534,888 |
| 5 | Ksh 3,690,886 | Ksh 633,916 | Ksh 4,366,084 |
| 6 | Ksh 4,358,723 | Ksh 831,039 | Ksh 4,168,961 |
| 7 | Ksh 4,993,489 | Ksh 1,061,233 | Ksh 3,938,767 |
| 8 | Ksh 5,589,637 | Ksh 1,330,046 | Ksh 3,669,954 |
| 9 | Ksh 6,140,686 | Ksh 1,643,957 | Ksh 3,356,043 |
| 10 | Ksh 6,639,072 | Ksh 2,010,532 | Ksh 2,989,468 |
| 11 | Ksh 7,075,958 | Ksh 2,438,606 | Ksh 2,561,394 |
| 12 | Ksh 7,441,028 | Ksh 2,938,497 | Ksh 2,061,503 |
| 13 | Ksh 7,722,232 | Ksh 3,522,253 | Ksh 1,477,747 |
| 14 | Ksh 7,905,501 | Ksh 4,203,944 | Ksh 796,056 |
| 15 | Ksh 7,974,406 | Ksh 5,000,000 | 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.