HFC Limited loan calculator for Ksh 1,000,000 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 16,821
180 monthly payments
Estimated total repayment
Ksh 3,027,865
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,027,864
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 20,820
For 180 months · incl. fees
Total repaid
Ksh 3,570,223
Principal Ksh 1,000,000 + Ksh 2,570,223 extras
Effective APR
24.63%
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 1,000,000 |
| 1 | Ksh 188,802 | Ksh 13,055 | Ksh 986,945 |
| 2 | Ksh 374,898 | Ksh 28,817 | Ksh 971,183 |
| 3 | Ksh 557,725 | Ksh 47,847 | Ksh 952,153 |
| 4 | Ksh 736,608 | Ksh 70,823 | Ksh 929,177 |
| 5 | Ksh 910,726 | Ksh 98,562 | Ksh 901,438 |
| 6 | Ksh 1,079,093 | Ksh 132,052 | Ksh 867,948 |
| 7 | Ksh 1,240,517 | Ksh 172,486 | Ksh 827,514 |
| 8 | Ksh 1,393,557 | Ksh 221,303 | Ksh 778,697 |
| 9 | Ksh 1,536,476 | Ksh 280,242 | Ksh 719,758 |
| 10 | Ksh 1,667,176 | Ksh 351,400 | Ksh 648,600 |
| 11 | Ksh 1,783,121 | Ksh 437,312 | Ksh 562,688 |
| 12 | Ksh 1,881,255 | Ksh 541,036 | Ksh 458,964 |
| 13 | Ksh 1,957,883 | Ksh 666,266 | Ksh 333,734 |
| 14 | Ksh 2,008,547 | Ksh 817,459 | Ksh 182,541 |
| 15 | Ksh 2,027,864 | 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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