Guardian Bank loan calculator for Ksh 1,000,000 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 13,030
180 monthly payments
Estimated total repayment
Ksh 2,345,359
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,345,359
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%.
Change loan details
Edit the values below; results update instantly.
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 16,125
For 180 months · incl. fees
Total repaid
Ksh 2,743,573
Principal Ksh 1,000,000 + Ksh 1,743,573 extras
Effective APR
17.98%
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 1,000,000 |
| 1 | Ksh 134,366 | Ksh 21,992 | Ksh 978,008 |
| 2 | Ksh 265,554 | Ksh 47,161 | Ksh 952,839 |
| 3 | Ksh 393,106 | Ksh 75,965 | Ksh 924,035 |
| 4 | Ksh 516,497 | Ksh 108,932 | Ksh 891,068 |
| 5 | Ksh 635,126 | Ksh 146,660 | Ksh 853,340 |
| 6 | Ksh 748,304 | Ksh 189,839 | Ksh 810,161 |
| 7 | Ksh 855,244 | Ksh 239,257 | Ksh 760,743 |
| 8 | Ksh 955,045 | Ksh 295,813 | Ksh 704,187 |
| 9 | Ksh 1,046,676 | Ksh 360,540 | Ksh 639,460 |
| 10 | Ksh 1,128,955 | Ksh 434,617 | Ksh 565,383 |
| 11 | Ksh 1,200,533 | Ksh 519,396 | Ksh 480,604 |
| 12 | Ksh 1,259,864 | Ksh 616,423 | Ksh 383,577 |
| 13 | Ksh 1,305,177 | Ksh 727,468 | Ksh 272,532 |
| 14 | Ksh 1,334,448 | Ksh 854,554 | Ksh 145,446 |
| 15 | Ksh 1,345,359 | Ksh 1,000,000 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.