HFC Limited loan calculator for Ksh 2,000,000 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 32,398
240 monthly payments
Estimated total repayment
Ksh 7,775,554
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 5,775,554
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 40,395
For 240 months · incl. fees
Total repaid
Ksh 9,289,802
Principal Ksh 2,000,000 + Ksh 7,289,802 extras
Effective APR
24.50%
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 2,000,000 |
| 1 | Ksh 378,976 | Ksh 9,802 | Ksh 1,990,198 |
| 2 | Ksh 755,920 | Ksh 21,636 | Ksh 1,978,364 |
| 3 | Ksh 1,130,410 | Ksh 35,924 | Ksh 1,964,076 |
| 4 | Ksh 1,501,937 | Ksh 53,174 | Ksh 1,946,826 |
| 5 | Ksh 1,869,889 | Ksh 74,000 | Ksh 1,926,000 |
| 6 | Ksh 2,233,522 | Ksh 99,144 | Ksh 1,900,856 |
| 7 | Ksh 2,591,942 | Ksh 129,502 | Ksh 1,870,498 |
| 8 | Ksh 2,944,068 | Ksh 166,154 | Ksh 1,833,846 |
| 9 | Ksh 3,288,595 | Ksh 210,405 | Ksh 1,789,595 |
| 10 | Ksh 3,623,947 | Ksh 263,830 | Ksh 1,736,170 |
| 11 | Ksh 3,948,222 | Ksh 328,333 | Ksh 1,671,667 |
| 12 | Ksh 4,259,124 | Ksh 406,208 | Ksh 1,593,792 |
| 13 | Ksh 4,553,880 | Ksh 500,230 | Ksh 1,499,770 |
| 14 | Ksh 4,829,142 | Ksh 613,746 | Ksh 1,386,254 |
| 15 | Ksh 5,080,869 | Ksh 750,797 | Ksh 1,249,203 |
| 16 | Ksh 5,304,180 | Ksh 916,263 | Ksh 1,083,737 |
| 17 | Ksh 5,493,186 | Ksh 1,116,036 | Ksh 883,964 |
| 18 | Ksh 5,640,771 | Ksh 1,357,228 | Ksh 642,772 |
| 19 | Ksh 5,738,350 | Ksh 1,648,426 | Ksh 351,574 |
| 20 | Ksh 5,775,554 | 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.