KCB Bank Kenya loan rate today.
KCB Bank Kenya prices loans at a weighted-average of 15.76% per the Central Bank of Kenya — ranked #19 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 24,191/month.
Lending rate
15.76%
#19 of 38 cheapest
Monthly (1M · 5y)
Ksh 24,191
Industry avg Ksh 24,315
Total interest (1M · 5y)
Ksh 451,443
vs Ksh 458,907 at industry avg
Calculate your KCB Bank Kenya loan
Enter any loan amount and term to see your monthly repayment, total cost, and full amortisation schedule.
Loan details
KESCentral Bank of Kenya · May 2025
-0.23 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 27,651
For 60 months · incl. fees
Total repaid
Ksh 1,600,377
Principal Ksh 1,000,000 + Ksh 600,377 extras
Effective APR
21.41%
Advertised rate 15.76% · 45.1% 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 1,000,000 |
| 1 | Ksh 147,583 | Ksh 142,705 | Ksh 857,295 |
| 2 | Ksh 270,978 | Ksh 309,599 | Ksh 690,401 |
| 3 | Ksh 366,085 | Ksh 504,781 | Ksh 495,219 |
| 4 | Ksh 428,109 | Ksh 733,045 | Ksh 266,955 |
| 5 | Ksh 451,443 | Ksh 1,000,000 | Ksh 0 |
About this loan rate
This page focuses on the current KCB Bank Kenya loan rate and repayment calculator. Compare all banks on the loan interest rates today page.
Popular KCB Bank Kenya loan scenarios
Pre-calculated repayments at KCB Bank Kenya's current lending rate.
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