HFC Limited loan calculator for Ksh 5,000,000 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 129,675
60 monthly payments
Estimated total repayment
Ksh 7,780,515
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 2,780,515
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 149,667
For 60 months · incl. fees
Total repaid
Ksh 8,613,038
Principal Ksh 5,000,000 + Ksh 3,613,038 extras
Effective APR
25.13%
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 5,000,000 |
| 1 | Ksh 893,816 | Ksh 662,287 | Ksh 4,337,713 |
| 2 | Ksh 1,650,319 | Ksh 1,461,887 | Ksh 3,538,113 |
| 3 | Ksh 2,241,038 | Ksh 2,427,270 | Ksh 2,572,730 |
| 4 | Ksh 2,631,603 | Ksh 3,592,808 | Ksh 1,407,192 |
| 5 | Ksh 2,780,515 | 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.