HFC Limited loan calculator for Ksh 5,000,000 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 84,107
180 monthly payments
Estimated total repayment
Ksh 15,139,319
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 10,139,319
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 104,099
For 180 months · incl. fees
Total repaid
Ksh 17,831,113
Principal Ksh 5,000,000 + Ksh 12,831,112 extras
Effective APR
24.51%
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 5,000,000 |
| 1 | Ksh 944,012 | Ksh 65,276 | Ksh 4,934,724 |
| 2 | Ksh 1,874,489 | Ksh 144,086 | Ksh 4,855,914 |
| 3 | Ksh 2,788,627 | Ksh 239,236 | Ksh 4,760,764 |
| 4 | Ksh 3,683,038 | Ksh 354,114 | Ksh 4,645,886 |
| 5 | Ksh 4,553,630 | Ksh 492,810 | Ksh 4,507,190 |
| 6 | Ksh 5,395,467 | Ksh 660,261 | Ksh 4,339,739 |
| 7 | Ksh 6,202,585 | Ksh 862,431 | Ksh 4,137,569 |
| 8 | Ksh 6,967,787 | Ksh 1,106,517 | Ksh 3,893,483 |
| 9 | Ksh 7,682,382 | Ksh 1,401,209 | Ksh 3,598,791 |
| 10 | Ksh 8,335,878 | Ksh 1,757,001 | Ksh 3,242,999 |
| 11 | Ksh 8,915,607 | Ksh 2,186,560 | Ksh 2,813,440 |
| 12 | Ksh 9,406,274 | Ksh 2,705,181 | Ksh 2,294,819 |
| 13 | Ksh 9,789,415 | Ksh 3,331,328 | Ksh 1,668,672 |
| 14 | Ksh 10,042,735 | Ksh 4,087,296 | Ksh 912,704 |
| 15 | Ksh 10,139,319 | 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.