HFC Limited loan calculator for Ksh 500,000 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 8,411
180 monthly payments
Estimated total repayment
Ksh 1,513,931
Ksh 500,000 principal + interest
Estimated interest
Ksh 1,013,932
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 10,410
For 180 months · incl. fees
Total repaid
Ksh 1,787,611
Principal Ksh 500,000 + Ksh 1,287,611 extras
Effective APR
24.77%
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 500,000 |
| 1 | Ksh 94,401 | Ksh 6,528 | Ksh 493,472 |
| 2 | Ksh 187,449 | Ksh 14,409 | Ksh 485,591 |
| 3 | Ksh 278,863 | Ksh 23,924 | Ksh 476,076 |
| 4 | Ksh 368,304 | Ksh 35,411 | Ksh 464,589 |
| 5 | Ksh 455,363 | Ksh 49,281 | Ksh 450,719 |
| 6 | Ksh 539,547 | Ksh 66,026 | Ksh 433,974 |
| 7 | Ksh 620,258 | Ksh 86,243 | Ksh 413,757 |
| 8 | Ksh 696,779 | Ksh 110,652 | Ksh 389,348 |
| 9 | Ksh 768,238 | Ksh 140,121 | Ksh 359,879 |
| 10 | Ksh 833,588 | Ksh 175,700 | Ksh 324,300 |
| 11 | Ksh 891,561 | Ksh 218,656 | Ksh 281,344 |
| 12 | Ksh 940,627 | Ksh 270,518 | Ksh 229,482 |
| 13 | Ksh 978,942 | Ksh 333,133 | Ksh 166,867 |
| 14 | Ksh 1,004,274 | Ksh 408,730 | Ksh 91,270 |
| 15 | Ksh 1,013,932 | 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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