HFC Limited loan calculator for Ksh 1,000,000 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 16,199
240 monthly payments
Estimated total repayment
Ksh 3,887,777
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,887,777
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%.
Change loan details
Edit the values below; results update instantly.
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 20,197
For 240 months · incl. fees
Total repaid
Ksh 4,647,401
Principal Ksh 1,000,000 + Ksh 3,647,401 extras
Effective APR
24.57%
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 1,000,000 |
| 1 | Ksh 189,488 | Ksh 4,901 | Ksh 995,099 |
| 2 | Ksh 377,960 | Ksh 10,818 | Ksh 989,182 |
| 3 | Ksh 565,205 | Ksh 17,962 | Ksh 982,038 |
| 4 | Ksh 750,969 | Ksh 26,587 | Ksh 973,413 |
| 5 | Ksh 934,944 | Ksh 37,000 | Ksh 963,000 |
| 6 | Ksh 1,116,761 | Ksh 49,572 | Ksh 950,428 |
| 7 | Ksh 1,295,971 | Ksh 64,751 | Ksh 935,249 |
| 8 | Ksh 1,472,034 | Ksh 83,077 | Ksh 916,923 |
| 9 | Ksh 1,644,297 | Ksh 105,202 | Ksh 894,798 |
| 10 | Ksh 1,811,973 | Ksh 131,915 | Ksh 868,085 |
| 11 | Ksh 1,974,111 | Ksh 164,166 | Ksh 835,834 |
| 12 | Ksh 2,129,562 | Ksh 203,104 | Ksh 796,896 |
| 13 | Ksh 2,276,940 | Ksh 250,115 | Ksh 749,885 |
| 14 | Ksh 2,414,571 | Ksh 306,873 | Ksh 693,127 |
| 15 | Ksh 2,540,434 | Ksh 375,398 | Ksh 624,602 |
| 16 | Ksh 2,652,090 | Ksh 458,132 | Ksh 541,868 |
| 17 | Ksh 2,746,593 | Ksh 558,018 | Ksh 441,982 |
| 18 | Ksh 2,820,386 | Ksh 678,614 | Ksh 321,386 |
| 19 | Ksh 2,869,175 | Ksh 824,213 | Ksh 175,787 |
| 20 | Ksh 2,887,777 | 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.