HFC Limited loan calculator for Ksh 100,000 over 5 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 2,594
60 monthly payments
Estimated total repayment
Ksh 155,610
Ksh 100,000 principal + interest
Estimated interest
Ksh 55,610
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 2,993
For 60 months · incl. fees
Total repaid
Ksh 177,161
Principal Ksh 100,000 + Ksh 77,161 extras
Effective APR
27.82%
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 100,000 |
| 1 | Ksh 17,876 | Ksh 13,246 | Ksh 86,754 |
| 2 | Ksh 33,006 | Ksh 29,238 | Ksh 70,762 |
| 3 | Ksh 44,821 | Ksh 48,545 | Ksh 51,455 |
| 4 | Ksh 52,632 | Ksh 71,856 | Ksh 28,144 |
| 5 | Ksh 55,610 | 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.