HFC Limited loan calculator for Ksh 2,000,000 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 37,321
120 monthly payments
Estimated total repayment
Ksh 4,478,568
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 2,478,568
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 45,318
For 120 months · incl. fees
Total repaid
Ksh 5,159,801
Principal Ksh 2,000,000 + Ksh 3,159,801 extras
Effective APR
24.70%
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 2,000,000 |
| 1 | Ksh 373,553 | Ksh 74,304 | Ksh 1,925,696 |
| 2 | Ksh 731,700 | Ksh 164,014 | Ksh 1,835,986 |
| 3 | Ksh 1,071,247 | Ksh 272,324 | Ksh 1,727,676 |
| 4 | Ksh 1,388,338 | Ksh 403,089 | Ksh 1,596,911 |
| 5 | Ksh 1,678,317 | Ksh 560,967 | Ksh 1,439,033 |
| 6 | Ksh 1,935,564 | Ksh 751,577 | Ksh 1,248,423 |
| 7 | Ksh 2,153,290 | Ksh 981,708 | Ksh 1,018,292 |
| 8 | Ksh 2,323,303 | Ksh 1,259,551 | Ksh 740,449 |
| 9 | Ksh 2,435,710 | Ksh 1,595,001 | Ksh 404,999 |
| 10 | Ksh 2,478,568 | Ksh 2,000,000 | 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.