HFC Limited loan calculator for Ksh 100,000 over 20 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 1,620
240 monthly payments
Estimated total repayment
Ksh 388,778
Ksh 100,000 principal + interest
Estimated interest
Ksh 288,778
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 2,020
For 240 months · incl. fees
Total repaid
Ksh 469,240
Principal Ksh 100,000 + Ksh 369,240 extras
Effective APR
25.82%
Advertised rate 18.99% · 288.8% interest on principal
Repayment mix over 20 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 18,949 | Ksh 490 | Ksh 99,510 |
| 2 | Ksh 37,796 | Ksh 1,082 | Ksh 98,918 |
| 3 | Ksh 56,520 | Ksh 1,796 | Ksh 98,204 |
| 4 | Ksh 75,097 | Ksh 2,659 | Ksh 97,341 |
| 5 | Ksh 93,494 | Ksh 3,700 | Ksh 96,300 |
| 6 | Ksh 111,676 | Ksh 4,957 | Ksh 95,043 |
| 7 | Ksh 129,597 | Ksh 6,475 | Ksh 93,525 |
| 8 | Ksh 147,203 | Ksh 8,308 | Ksh 91,692 |
| 9 | Ksh 164,430 | Ksh 10,520 | Ksh 89,480 |
| 10 | Ksh 181,197 | Ksh 13,192 | Ksh 86,808 |
| 11 | Ksh 197,411 | Ksh 16,417 | Ksh 83,583 |
| 12 | Ksh 212,956 | Ksh 20,310 | Ksh 79,690 |
| 13 | Ksh 227,694 | Ksh 25,012 | Ksh 74,988 |
| 14 | Ksh 241,457 | Ksh 30,687 | Ksh 69,313 |
| 15 | Ksh 254,043 | Ksh 37,540 | Ksh 62,460 |
| 16 | Ksh 265,209 | Ksh 45,813 | Ksh 54,187 |
| 17 | Ksh 274,659 | Ksh 55,802 | Ksh 44,198 |
| 18 | Ksh 282,039 | Ksh 67,861 | Ksh 32,139 |
| 19 | Ksh 286,918 | Ksh 82,421 | Ksh 17,579 |
| 20 | Ksh 288,778 | 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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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.