HFC Limited loan calculator for Ksh 10,000,000 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 161,991
240 monthly payments
Estimated total repayment
Ksh 38,877,773
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 28,877,772
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 201,974
For 240 months · incl. fees
Total repaid
Ksh 46,429,010
Principal Ksh 10,000,000 + Ksh 36,429,010 extras
Effective APR
24.45%
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 10,000,000 |
| 1 | Ksh 1,894,879 | Ksh 49,009 | Ksh 9,950,991 |
| 2 | Ksh 3,779,598 | Ksh 108,180 | Ksh 9,891,820 |
| 3 | Ksh 5,652,048 | Ksh 179,618 | Ksh 9,820,382 |
| 4 | Ksh 7,509,687 | Ksh 265,868 | Ksh 9,734,132 |
| 5 | Ksh 9,349,443 | Ksh 370,000 | Ksh 9,630,000 |
| 6 | Ksh 11,167,610 | Ksh 495,722 | Ksh 9,504,278 |
| 7 | Ksh 12,959,710 | Ksh 647,510 | Ksh 9,352,490 |
| 8 | Ksh 14,720,340 | Ksh 830,769 | Ksh 9,169,231 |
| 9 | Ksh 16,442,974 | Ksh 1,052,024 | Ksh 8,947,976 |
| 10 | Ksh 18,119,735 | Ksh 1,319,151 | Ksh 8,680,849 |
| 11 | Ksh 19,741,112 | Ksh 1,641,663 | Ksh 8,358,337 |
| 12 | Ksh 21,295,622 | Ksh 2,031,042 | Ksh 7,968,958 |
| 13 | Ksh 22,769,401 | Ksh 2,501,151 | Ksh 7,498,849 |
| 14 | Ksh 24,145,711 | Ksh 3,068,729 | Ksh 6,931,271 |
| 15 | Ksh 25,404,345 | Ksh 3,753,985 | Ksh 6,246,015 |
| 16 | Ksh 26,520,902 | Ksh 4,581,315 | Ksh 5,418,685 |
| 17 | Ksh 27,465,928 | Ksh 5,580,179 | Ksh 4,419,821 |
| 18 | Ksh 28,203,857 | Ksh 6,786,138 | Ksh 3,213,862 |
| 19 | Ksh 28,691,752 | Ksh 8,242,132 | Ksh 1,757,868 |
| 20 | Ksh 28,877,772 | 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.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.