HFC Limited loan calculator for Ksh 1,000,000 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 18,661
120 monthly payments
Estimated total repayment
Ksh 2,239,284
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,239,284
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 22,659
For 120 months · incl. fees
Total repaid
Ksh 2,582,401
Principal Ksh 1,000,000 + Ksh 1,582,401 extras
Effective APR
24.79%
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 1,000,000 |
| 1 | Ksh 186,776 | Ksh 37,152 | Ksh 962,848 |
| 2 | Ksh 365,850 | Ksh 82,007 | Ksh 917,993 |
| 3 | Ksh 535,623 | Ksh 136,162 | Ksh 863,838 |
| 4 | Ksh 694,169 | Ksh 201,545 | Ksh 798,455 |
| 5 | Ksh 839,159 | Ksh 280,483 | Ksh 719,517 |
| 6 | Ksh 967,782 | Ksh 375,789 | Ksh 624,211 |
| 7 | Ksh 1,076,645 | Ksh 490,854 | Ksh 509,146 |
| 8 | Ksh 1,161,652 | Ksh 629,776 | Ksh 370,224 |
| 9 | Ksh 1,217,855 | Ksh 797,500 | Ksh 202,500 |
| 10 | Ksh 1,239,284 | Ksh 1,000,000 | 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.