HFC Limited loan calculator for Ksh 5,000,000 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 80,995
240 monthly payments
Estimated total repayment
Ksh 19,438,886
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 14,438,886
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 100,987
For 240 months · incl. fees
Total repaid
Ksh 23,217,005
Principal Ksh 5,000,000 + Ksh 18,217,005 extras
Effective APR
24.46%
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 5,000,000 |
| 1 | Ksh 947,440 | Ksh 24,505 | Ksh 4,975,495 |
| 2 | Ksh 1,889,799 | Ksh 54,090 | Ksh 4,945,910 |
| 3 | Ksh 2,826,024 | Ksh 89,809 | Ksh 4,910,191 |
| 4 | Ksh 3,754,843 | Ksh 132,934 | Ksh 4,867,066 |
| 5 | Ksh 4,674,722 | Ksh 185,000 | Ksh 4,815,000 |
| 6 | Ksh 5,583,805 | Ksh 247,861 | Ksh 4,752,139 |
| 7 | Ksh 6,479,855 | Ksh 323,755 | Ksh 4,676,245 |
| 8 | Ksh 7,360,170 | Ksh 415,385 | Ksh 4,584,615 |
| 9 | Ksh 8,221,487 | Ksh 526,012 | Ksh 4,473,988 |
| 10 | Ksh 9,059,867 | Ksh 659,576 | Ksh 4,340,424 |
| 11 | Ksh 9,870,556 | Ksh 820,831 | Ksh 4,179,169 |
| 12 | Ksh 10,647,811 | Ksh 1,015,521 | Ksh 3,984,479 |
| 13 | Ksh 11,384,700 | Ksh 1,250,575 | Ksh 3,749,425 |
| 14 | Ksh 12,072,856 | Ksh 1,534,365 | Ksh 3,465,635 |
| 15 | Ksh 12,702,172 | Ksh 1,876,992 | Ksh 3,123,008 |
| 16 | Ksh 13,260,451 | Ksh 2,290,658 | Ksh 2,709,342 |
| 17 | Ksh 13,732,964 | Ksh 2,790,089 | Ksh 2,209,911 |
| 18 | Ksh 14,101,928 | Ksh 3,393,069 | Ksh 1,606,931 |
| 19 | Ksh 14,345,876 | Ksh 4,121,066 | Ksh 878,934 |
| 20 | Ksh 14,438,886 | 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.