Guaranty Trust Bank loan calculator for Ksh 5,000,000 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 174,824
36 monthly payments
Estimated total repayment
Ksh 6,293,663
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 1,293,663
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 191,999
For 36 months · incl. fees
Total repaid
Ksh 6,765,269
Principal Ksh 5,000,000 + Ksh 1,765,269 extras
Effective APR
21.69%
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 5,000,000 |
| 1 | Ksh 682,037 | Ksh 1,415,850 | Ksh 3,584,150 |
| 2 | Ksh 1,126,542 | Ksh 3,069,234 | Ksh 1,930,766 |
| 3 | Ksh 1,293,663 | 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.