Guardian Bank loan calculator for Ksh 10,000,000 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 152,691
120 monthly payments
Estimated total repayment
Ksh 18,322,978
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 8,322,977
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 183,641
For 120 months · incl. fees
Total repaid
Ksh 20,855,909
Principal Ksh 10,000,000 + Ksh 10,855,909 extras
Effective APR
18.02%
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 10,000,000 |
| 1 | Ksh 1,326,295 | Ksh 506,002 | Ksh 9,493,998 |
| 2 | Ksh 2,579,490 | Ksh 1,085,105 | Ksh 8,914,895 |
| 3 | Ksh 3,749,024 | Ksh 1,747,869 | Ksh 8,252,131 |
| 4 | Ksh 4,822,811 | Ksh 2,506,380 | Ksh 7,493,620 |
| 5 | Ksh 5,787,019 | Ksh 3,374,469 | Ksh 6,625,531 |
| 6 | Ksh 6,625,817 | Ksh 4,367,969 | Ksh 5,632,031 |
| 7 | Ksh 7,321,088 | Ksh 5,504,996 | Ksh 4,495,004 |
| 8 | Ksh 7,852,096 | Ksh 6,806,285 | Ksh 3,193,715 |
| 9 | Ksh 8,195,112 | Ksh 8,295,567 | Ksh 1,704,433 |
| 10 | Ksh 8,322,977 | Ksh 10,000,000 | 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.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.