HFC Limited loan calculator for Ksh 1,000,000 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 25,935
60 monthly payments
Estimated total repayment
Ksh 1,556,103
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 556,103
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 29,933
For 60 months · incl. fees
Total repaid
Ksh 1,726,608
Principal Ksh 1,000,000 + Ksh 726,608 extras
Effective APR
25.34%
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 1,000,000 |
| 1 | Ksh 178,763 | Ksh 132,457 | Ksh 867,543 |
| 2 | Ksh 330,064 | Ksh 292,377 | Ksh 707,623 |
| 3 | Ksh 448,208 | Ksh 485,454 | Ksh 514,546 |
| 4 | Ksh 526,321 | Ksh 718,562 | Ksh 281,438 |
| 5 | Ksh 556,103 | 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.