KCB Bank Kenya loan calculator for Ksh 100,000 over 15 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 1,452
180 monthly payments
Estimated total repayment
Ksh 261,360
Ksh 100,000 principal + interest
Estimated interest
Ksh 161,360
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 1,798
For 180 months · incl. fees
Total repaid
Ksh 311,371
Principal Ksh 100,000 + Ksh 211,371 extras
Effective APR
21.87%
Advertised rate 15.76% · 161.4% 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 100,000 |
| 1 | Ksh 15,634 | Ksh 1,790 | Ksh 98,210 |
| 2 | Ksh 30,965 | Ksh 3,883 | Ksh 96,117 |
| 3 | Ksh 45,942 | Ksh 6,330 | Ksh 93,670 |
| 4 | Ksh 60,503 | Ksh 9,193 | Ksh 90,807 |
| 5 | Ksh 74,579 | Ksh 12,541 | Ksh 87,459 |
| 6 | Ksh 88,088 | Ksh 16,456 | Ksh 83,544 |
| 7 | Ksh 100,933 | Ksh 21,035 | Ksh 78,965 |
| 8 | Ksh 113,002 | Ksh 26,390 | Ksh 73,610 |
| 9 | Ksh 124,164 | Ksh 32,653 | Ksh 67,347 |
| 10 | Ksh 134,263 | Ksh 39,977 | Ksh 60,023 |
| 11 | Ksh 143,122 | Ksh 48,543 | Ksh 51,457 |
| 12 | Ksh 150,528 | Ksh 58,560 | Ksh 41,440 |
| 13 | Ksh 156,237 | Ksh 70,275 | Ksh 29,725 |
| 14 | Ksh 159,960 | Ksh 83,977 | Ksh 16,023 |
| 15 | Ksh 161,360 | 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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