KCB Bank Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a KCB Bank Kenya loan using the current 15.76% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,660
120 monthly payments
Estimated total repayment
Ksh 199,225
Ksh 100,000 principal + interest
Estimated interest
Ksh 99,225
At 15.76%
Current KCB Bank Kenya loan interest rate
KCB Bank Kenya is listed at 15.76% 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
-0.23 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,006
For 120 months · incl. fees
Total repaid
Ksh 232,866
Principal Ksh 100,000 + Ksh 132,866 extras
Effective APR
22.31%
Advertised rate 15.76% · 99.2% 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 100,000 |
| 1 | Ksh 15,446 | Ksh 4,477 | Ksh 95,523 |
| 2 | Ksh 30,133 | Ksh 9,712 | Ksh 90,288 |
| 3 | Ksh 43,932 | Ksh 15,835 | Ksh 84,165 |
| 4 | Ksh 56,694 | Ksh 22,996 | Ksh 77,004 |
| 5 | Ksh 68,242 | Ksh 31,370 | Ksh 68,630 |
| 6 | Ksh 78,371 | Ksh 41,164 | Ksh 58,836 |
| 7 | Ksh 86,839 | Ksh 52,618 | Ksh 47,382 |
| 8 | Ksh 93,367 | Ksh 66,013 | Ksh 33,987 |
| 9 | Ksh 97,623 | Ksh 81,679 | Ksh 18,321 |
| 10 | Ksh 99,225 | Ksh 100,000 | 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.