HFC Limited loan calculator for Ksh 500,000 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 9,330
120 monthly payments
Estimated total repayment
Ksh 1,119,642
Ksh 500,000 principal + interest
Estimated interest
Ksh 619,642
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 11,330
For 120 months · incl. fees
Total repaid
Ksh 1,293,700
Principal Ksh 500,000 + Ksh 793,700 extras
Effective APR
24.96%
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 500,000 |
| 1 | Ksh 93,388 | Ksh 18,576 | Ksh 481,424 |
| 2 | Ksh 182,925 | Ksh 41,004 | Ksh 458,997 |
| 3 | Ksh 267,812 | Ksh 68,081 | Ksh 431,919 |
| 4 | Ksh 347,085 | Ksh 100,772 | Ksh 399,228 |
| 5 | Ksh 419,579 | Ksh 140,242 | Ksh 359,758 |
| 6 | Ksh 483,891 | Ksh 187,894 | Ksh 312,106 |
| 7 | Ksh 538,323 | Ksh 245,427 | Ksh 254,573 |
| 8 | Ksh 580,826 | Ksh 314,888 | Ksh 185,112 |
| 9 | Ksh 608,928 | Ksh 398,750 | Ksh 101,250 |
| 10 | Ksh 619,642 | Ksh 500,000 | 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.