HFC Limited loan calculator for Ksh 500,000 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 8,100
240 monthly payments
Estimated total repayment
Ksh 1,943,890
Ksh 500,000 principal + interest
Estimated interest
Ksh 1,443,889
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 10,099
For 240 months · incl. fees
Total repaid
Ksh 2,326,200
Principal Ksh 500,000 + Ksh 1,826,200 extras
Effective APR
24.70%
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 500,000 |
| 1 | Ksh 94,744 | Ksh 2,450 | Ksh 497,550 |
| 2 | Ksh 188,980 | Ksh 5,409 | Ksh 494,591 |
| 3 | Ksh 282,602 | Ksh 8,981 | Ksh 491,019 |
| 4 | Ksh 375,484 | Ksh 13,293 | Ksh 486,707 |
| 5 | Ksh 467,472 | Ksh 18,500 | Ksh 481,500 |
| 6 | Ksh 558,380 | Ksh 24,786 | Ksh 475,214 |
| 7 | Ksh 647,986 | Ksh 32,376 | Ksh 467,624 |
| 8 | Ksh 736,017 | Ksh 41,538 | Ksh 458,462 |
| 9 | Ksh 822,149 | Ksh 52,601 | Ksh 447,399 |
| 10 | Ksh 905,987 | Ksh 65,958 | Ksh 434,042 |
| 11 | Ksh 987,056 | Ksh 82,083 | Ksh 417,917 |
| 12 | Ksh 1,064,781 | Ksh 101,552 | Ksh 398,448 |
| 13 | Ksh 1,138,470 | Ksh 125,058 | Ksh 374,942 |
| 14 | Ksh 1,207,286 | Ksh 153,436 | Ksh 346,564 |
| 15 | Ksh 1,270,217 | Ksh 187,699 | Ksh 312,301 |
| 16 | Ksh 1,326,045 | Ksh 229,066 | Ksh 270,934 |
| 17 | Ksh 1,373,296 | Ksh 279,009 | Ksh 220,991 |
| 18 | Ksh 1,410,193 | Ksh 339,307 | Ksh 160,693 |
| 19 | Ksh 1,434,588 | Ksh 412,107 | Ksh 87,893 |
| 20 | Ksh 1,443,889 | 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.