HFC Limited loan calculator for Ksh 2,000,000 over 15 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 33,643
180 monthly payments
Estimated total repayment
Ksh 6,055,727
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 4,055,728
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 41,640
For 180 months · incl. fees
Total repaid
Ksh 7,135,445
Principal Ksh 2,000,000 + Ksh 5,135,445 extras
Effective APR
24.56%
Advertised rate 18.99% · 202.8% interest on principal
Repayment mix over 15 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 377,605 | Ksh 26,111 | Ksh 1,973,889 |
| 2 | Ksh 749,796 | Ksh 57,635 | Ksh 1,942,365 |
| 3 | Ksh 1,115,451 | Ksh 95,695 | Ksh 1,904,305 |
| 4 | Ksh 1,473,215 | Ksh 141,646 | Ksh 1,858,354 |
| 5 | Ksh 1,821,452 | Ksh 197,124 | Ksh 1,802,876 |
| 6 | Ksh 2,158,187 | Ksh 264,104 | Ksh 1,735,896 |
| 7 | Ksh 2,481,034 | Ksh 344,972 | Ksh 1,655,028 |
| 8 | Ksh 2,787,115 | Ksh 442,607 | Ksh 1,557,393 |
| 9 | Ksh 3,072,953 | Ksh 560,484 | Ksh 1,439,516 |
| 10 | Ksh 3,334,351 | Ksh 702,801 | Ksh 1,297,199 |
| 11 | Ksh 3,566,243 | Ksh 874,624 | Ksh 1,125,376 |
| 12 | Ksh 3,762,510 | Ksh 1,082,072 | Ksh 917,928 |
| 13 | Ksh 3,915,766 | Ksh 1,332,531 | Ksh 667,469 |
| 14 | Ksh 4,017,094 | Ksh 1,634,918 | Ksh 365,082 |
| 15 | Ksh 4,055,728 | 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.