HFC Limited loan calculator for Ksh 100,000 over 15 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 1,682
180 monthly payments
Estimated total repayment
Ksh 302,787
Ksh 100,000 principal + interest
Estimated interest
Ksh 202,786
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%.
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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 2,082
For 180 months · incl. fees
Total repaid
Ksh 361,522
Principal Ksh 100,000 + Ksh 261,522 extras
Effective APR
25.98%
Advertised rate 18.99% · 202.8% 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 100,000 |
| 1 | Ksh 18,880 | Ksh 1,306 | Ksh 98,694 |
| 2 | Ksh 37,490 | Ksh 2,882 | Ksh 97,118 |
| 3 | Ksh 55,773 | Ksh 4,785 | Ksh 95,215 |
| 4 | Ksh 73,661 | Ksh 7,082 | Ksh 92,918 |
| 5 | Ksh 91,073 | Ksh 9,856 | Ksh 90,144 |
| 6 | Ksh 107,909 | Ksh 13,205 | Ksh 86,795 |
| 7 | Ksh 124,052 | Ksh 17,249 | Ksh 82,751 |
| 8 | Ksh 139,356 | Ksh 22,130 | Ksh 77,870 |
| 9 | Ksh 153,648 | Ksh 28,024 | Ksh 71,976 |
| 10 | Ksh 166,718 | Ksh 35,140 | Ksh 64,860 |
| 11 | Ksh 178,312 | Ksh 43,731 | Ksh 56,269 |
| 12 | Ksh 188,125 | Ksh 54,104 | Ksh 45,896 |
| 13 | Ksh 195,788 | Ksh 66,627 | Ksh 33,373 |
| 14 | Ksh 200,855 | Ksh 81,746 | Ksh 18,254 |
| 15 | Ksh 202,786 | 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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