HFC Limited loan calculator for Ksh 2,000,000 over 5 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 51,870
60 monthly payments
Estimated total repayment
Ksh 3,112,206
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 1,112,206
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 59,867
For 60 months · incl. fees
Total repaid
Ksh 3,448,215
Principal Ksh 2,000,000 + Ksh 1,448,215 extras
Effective APR
25.21%
Advertised rate 18.99% · 55.6% interest on principal
Repayment mix over 5 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 357,526 | Ksh 264,915 | Ksh 1,735,085 |
| 2 | Ksh 660,127 | Ksh 584,755 | Ksh 1,415,245 |
| 3 | Ksh 896,415 | Ksh 970,908 | Ksh 1,029,092 |
| 4 | Ksh 1,052,641 | Ksh 1,437,123 | Ksh 562,877 |
| 5 | Ksh 1,112,206 | 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.