HFC Limited loan calculator for Ksh 10,000,000 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 186,607
120 monthly payments
Estimated total repayment
Ksh 22,392,840
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 12,392,840
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 226,590
For 120 months · incl. fees
Total repaid
Ksh 25,779,007
Principal Ksh 10,000,000 + Ksh 15,779,007 extras
Effective APR
24.63%
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 10,000,000 |
| 1 | Ksh 1,867,763 | Ksh 371,521 | Ksh 9,628,479 |
| 2 | Ksh 3,658,498 | Ksh 820,070 | Ksh 9,179,930 |
| 3 | Ksh 5,356,234 | Ksh 1,361,618 | Ksh 8,638,382 |
| 4 | Ksh 6,941,690 | Ksh 2,015,446 | Ksh 7,984,554 |
| 5 | Ksh 8,391,587 | Ksh 2,804,833 | Ksh 7,195,167 |
| 6 | Ksh 9,677,818 | Ksh 3,757,886 | Ksh 6,242,114 |
| 7 | Ksh 10,766,450 | Ksh 4,908,538 | Ksh 5,091,462 |
| 8 | Ksh 11,616,516 | Ksh 6,297,756 | Ksh 3,702,244 |
| 9 | Ksh 12,178,552 | Ksh 7,975,004 | Ksh 2,024,996 |
| 10 | Ksh 12,392,840 | Ksh 10,000,000 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.