HFC Limited loan rate today.
HFC Limited prices loans at a weighted-average of 18.99% per the Central Bank of Kenya — ranked #34 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 25,935/month.
Lending rate
18.99%
#34 of 38 cheapest
Monthly (1M · 5y)
Ksh 25,935
Industry avg Ksh 24,315
Total interest (1M · 5y)
Ksh 556,103
vs Ksh 458,907 at industry avg
Calculate your HFC Limited loan
Enter any loan amount and term to see your monthly repayment, total cost, and full amortisation schedule.
Loan details
KESCentral Bank of Kenya · May 2025
+3.00 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 29,933
For 60 months · incl. fees
Total repaid
Ksh 1,726,608
Principal Ksh 1,000,000 + Ksh 726,608 extras
Effective APR
25.34%
Advertised rate 18.99% · 55.6% interest on principal
Repayment mix over 5 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 178,763 | Ksh 132,457 | Ksh 867,543 |
| 2 | Ksh 330,064 | Ksh 292,377 | Ksh 707,623 |
| 3 | Ksh 448,208 | Ksh 485,454 | Ksh 514,546 |
| 4 | Ksh 526,321 | Ksh 718,562 | Ksh 281,438 |
| 5 | Ksh 556,103 | Ksh 1,000,000 | Ksh 0 |
About this loan rate
This page focuses on the current HFC Limited loan rate and repayment calculator. Compare all banks on the loan interest rates today page.
Popular HFC Limited loan scenarios
Pre-calculated repayments at HFC Limited's current lending rate.
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- HFC Limited 18.99%
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