HFC Limited loan calculator for Ksh 5,000,000 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 93,304
120 monthly payments
Estimated total repayment
Ksh 11,196,420
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 6,196,420
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 113,295
For 120 months · incl. fees
Total repaid
Ksh 12,892,003
Principal Ksh 5,000,000 + Ksh 7,892,003 extras
Effective APR
24.65%
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 5,000,000 |
| 1 | Ksh 933,882 | Ksh 185,760 | Ksh 4,814,240 |
| 2 | Ksh 1,829,249 | Ksh 410,035 | Ksh 4,589,965 |
| 3 | Ksh 2,678,117 | Ksh 680,809 | Ksh 4,319,191 |
| 4 | Ksh 3,470,845 | Ksh 1,007,723 | Ksh 3,992,277 |
| 5 | Ksh 4,195,793 | Ksh 1,402,417 | Ksh 3,597,583 |
| 6 | Ksh 4,838,909 | Ksh 1,878,943 | Ksh 3,121,057 |
| 7 | Ksh 5,383,225 | Ksh 2,454,269 | Ksh 2,545,731 |
| 8 | Ksh 5,808,258 | Ksh 3,148,878 | Ksh 1,851,122 |
| 9 | Ksh 6,089,276 | Ksh 3,987,502 | Ksh 1,012,498 |
| 10 | Ksh 6,196,420 | Ksh 5,000,000 | 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.