Guardian Bank loan calculator for Ksh 100,000 over 15 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 1,303
180 monthly payments
Estimated total repayment
Ksh 234,536
Ksh 100,000 principal + interest
Estimated interest
Ksh 134,536
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 1,612
For 180 months · incl. fees
Total repaid
Ksh 278,857
Principal Ksh 100,000 + Ksh 178,857 extras
Effective APR
19.09%
Advertised rate 13.57% · 134.5% 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 100,000 |
| 1 | Ksh 13,437 | Ksh 2,199 | Ksh 97,801 |
| 2 | Ksh 26,555 | Ksh 4,716 | Ksh 95,284 |
| 3 | Ksh 39,311 | Ksh 7,597 | Ksh 92,403 |
| 4 | Ksh 51,650 | Ksh 10,893 | Ksh 89,107 |
| 5 | Ksh 63,513 | Ksh 14,666 | Ksh 85,334 |
| 6 | Ksh 74,830 | Ksh 18,984 | Ksh 81,016 |
| 7 | Ksh 85,524 | Ksh 23,926 | Ksh 76,074 |
| 8 | Ksh 95,505 | Ksh 29,581 | Ksh 70,419 |
| 9 | Ksh 104,668 | Ksh 36,054 | Ksh 63,946 |
| 10 | Ksh 112,896 | Ksh 43,462 | Ksh 56,538 |
| 11 | Ksh 120,053 | Ksh 51,940 | Ksh 48,060 |
| 12 | Ksh 125,986 | Ksh 61,642 | Ksh 38,358 |
| 13 | Ksh 130,518 | Ksh 72,747 | Ksh 27,253 |
| 14 | Ksh 133,445 | Ksh 85,455 | Ksh 14,545 |
| 15 | Ksh 134,536 | 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.