HFC Limited loan calculator for Ksh 500,000 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 12,968
60 monthly payments
Estimated total repayment
Ksh 778,051
Ksh 500,000 principal + interest
Estimated interest
Ksh 278,051
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 14,967
For 60 months · incl. fees
Total repaid
Ksh 865,804
Principal Ksh 500,000 + Ksh 365,804 extras
Effective APR
25.61%
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 500,000 |
| 1 | Ksh 89,382 | Ksh 66,229 | Ksh 433,771 |
| 2 | Ksh 165,032 | Ksh 146,189 | Ksh 353,811 |
| 3 | Ksh 224,104 | Ksh 242,727 | Ksh 257,273 |
| 4 | Ksh 263,160 | Ksh 359,281 | Ksh 140,719 |
| 5 | Ksh 278,051 | 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.