Guardian Bank loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Guardian Bank loan using the current 13.57% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,527
120 monthly payments
Estimated total repayment
Ksh 183,229
Ksh 100,000 principal + interest
Estimated interest
Ksh 83,230
At 13.57%
Current Guardian Bank loan interest rate
Guardian Bank is listed at 13.57% 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
-2.42 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,836
For 120 months · incl. fees
Total repaid
Ksh 213,509
Principal Ksh 100,000 + Ksh 113,509 extras
Effective APR
19.55%
Advertised rate 13.57% · 83.2% interest on principal
Repayment mix over 10 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 13,263 | Ksh 5,060 | Ksh 94,940 |
| 2 | Ksh 25,795 | Ksh 10,851 | Ksh 89,149 |
| 3 | Ksh 37,490 | Ksh 17,479 | Ksh 82,521 |
| 4 | Ksh 48,228 | Ksh 25,064 | Ksh 74,936 |
| 5 | Ksh 57,870 | Ksh 33,745 | Ksh 66,255 |
| 6 | Ksh 66,258 | Ksh 43,680 | Ksh 56,320 |
| 7 | Ksh 73,211 | Ksh 55,050 | Ksh 44,950 |
| 8 | Ksh 78,521 | Ksh 68,063 | Ksh 31,937 |
| 9 | Ksh 81,951 | Ksh 82,956 | Ksh 17,044 |
| 10 | Ksh 83,230 | 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.