Guardian Bank loan rate today.
Guardian Bank prices loans at a weighted-average of 13.57% per the Central Bank of Kenya — ranked #4 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 23,046/month.
Lending rate
13.57%
#4 of 38 cheapest
Monthly (1M · 5y)
Ksh 23,046
Industry avg Ksh 24,315
Total interest (1M · 5y)
Ksh 382,755
vs Ksh 458,907 at industry avg
Calculate your Guardian Bank loan
Enter any loan amount and term to see your monthly repayment, total cost, and full amortisation schedule.
Loan details
KESCentral Bank of Kenya · May 2025
-2.42 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 26,141
For 60 months · incl. fees
Total repaid
Ksh 1,517,513
Principal Ksh 1,000,000 + Ksh 517,513 extras
Effective APR
18.74%
Advertised rate 13.57% · 38.3% 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 1,000,000 |
| 1 | Ksh 126,601 | Ksh 149,950 | Ksh 850,050 |
| 2 | Ksh 231,539 | Ksh 321,563 | Ksh 678,437 |
| 3 | Ksh 311,685 | Ksh 517,968 | Ksh 482,032 |
| 4 | Ksh 363,457 | Ksh 742,748 | Ksh 257,252 |
| 5 | Ksh 382,755 | Ksh 1,000,000 | Ksh 0 |
About this loan rate
This page focuses on the current Guardian Bank loan rate and repayment calculator. Compare all banks on the loan interest rates today page.
Popular Guardian Bank loan scenarios
Pre-calculated repayments at Guardian Bank's current lending rate.
All Kenyan lenders
- Citibank N.A. Kenya 10.36%
- Stanbic Bank Kenya 12.84%
- Standard Chartered Bank Kenya 13.35%
- Guardian Bank 13.57%
- Consolidated Bank of Kenya 13.61%
- Ecobank Kenya 13.72%
- Paramount Bank 14.47%
- Habib Bank A.G. Zurich 14.55%
- Gulf African Bank 14.77%
- Equity Bank Kenya 14.89%
- Bank of India 14.94%
- Premier Bank Kenya 15.12%
- Bank of Baroda (Kenya)