Guardian Bank loan calculator for Ksh 100,000 over 20 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 1,212
240 monthly payments
Estimated total repayment
Ksh 290,978
Ksh 100,000 principal + interest
Estimated interest
Ksh 190,980
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 1,522
For 240 months · incl. fees
Total repaid
Ksh 350,749
Principal Ksh 100,000 + Ksh 250,749 extras
Effective APR
18.89%
Advertised rate 13.57% · 191.0% interest on principal
Repayment mix over 20 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 13,507 | Ksh 1,042 | Ksh 98,958 |
| 2 | Ksh 26,863 | Ksh 2,235 | Ksh 97,765 |
| 3 | Ksh 40,047 | Ksh 3,600 | Ksh 96,400 |
| 4 | Ksh 53,033 | Ksh 5,162 | Ksh 94,838 |
| 5 | Ksh 65,794 | Ksh 6,950 | Ksh 93,050 |
| 6 | Ksh 78,297 | Ksh 8,997 | Ksh 91,003 |
| 7 | Ksh 90,504 | Ksh 11,339 | Ksh 88,661 |
| 8 | Ksh 102,373 | Ksh 14,019 | Ksh 85,981 |
| 9 | Ksh 113,854 | Ksh 17,086 | Ksh 82,914 |
| 10 | Ksh 124,893 | Ksh 20,597 | Ksh 79,403 |
| 11 | Ksh 135,424 | Ksh 24,615 | Ksh 75,385 |
| 12 | Ksh 145,375 | Ksh 29,213 | Ksh 70,787 |
| 13 | Ksh 154,661 | Ksh 34,476 | Ksh 65,524 |
| 14 | Ksh 163,187 | Ksh 40,498 | Ksh 59,502 |
| 15 | Ksh 170,843 | Ksh 47,391 | Ksh 52,609 |
| 16 | Ksh 177,504 | Ksh 55,280 | Ksh 44,720 |
| 17 | Ksh 183,024 | Ksh 64,308 | Ksh 35,692 |
| 18 | Ksh 187,241 | Ksh 74,641 | Ksh 25,359 |
| 19 | Ksh 189,964 | Ksh 86,466 | Ksh 13,534 |
| 20 | Ksh 190,980 | 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.