HFC Limited loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a HFC Limited loan using the current 18.99% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,866
120 monthly payments
Estimated total repayment
Ksh 223,928
Ksh 100,000 principal + interest
Estimated interest
Ksh 123,928
At 18.99%
Current HFC Limited loan interest rate
HFC Limited is listed at 18.99% 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
+3.00 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,266
For 120 months · incl. fees
Total repaid
Ksh 262,740
Principal Ksh 100,000 + Ksh 162,740 extras
Effective APR
26.38%
Advertised rate 18.99% · 123.9% 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 100,000 |
| 1 | Ksh 18,678 | Ksh 3,715 | Ksh 96,285 |
| 2 | Ksh 36,585 | Ksh 8,201 | Ksh 91,799 |
| 3 | Ksh 53,562 | Ksh 13,616 | Ksh 86,384 |
| 4 | Ksh 69,417 | Ksh 20,154 | Ksh 79,846 |
| 5 | Ksh 83,916 | Ksh 28,048 | Ksh 71,952 |
| 6 | Ksh 96,778 | Ksh 37,579 | Ksh 62,421 |
| 7 | Ksh 107,665 | Ksh 49,085 | Ksh 50,915 |
| 8 | Ksh 116,165 | Ksh 62,978 | Ksh 37,022 |
| 9 | Ksh 121,786 | Ksh 79,750 | Ksh 20,250 |
| 10 | Ksh 123,928 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.