KCB Bank Kenya loan calculator for Ksh 100,000 over 20 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 1,373
240 monthly payments
Estimated total repayment
Ksh 329,587
Ksh 100,000 principal + interest
Estimated interest
Ksh 229,588
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%.
Change loan details
Edit the values below; results update instantly.
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 1,719
For 240 months · incl. fees
Total repaid
Ksh 397,573
Principal Ksh 100,000 + Ksh 297,573 extras
Effective APR
21.69%
Advertised rate 15.76% · 229.6% 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 100,000 |
| 1 | Ksh 15,706 | Ksh 774 | Ksh 99,226 |
| 2 | Ksh 31,280 | Ksh 1,679 | Ksh 98,322 |
| 3 | Ksh 46,701 | Ksh 2,737 | Ksh 97,263 |
| 4 | Ksh 61,943 | Ksh 3,974 | Ksh 96,026 |
| 5 | Ksh 76,975 | Ksh 5,422 | Ksh 94,578 |
| 6 | Ksh 91,762 | Ksh 7,114 | Ksh 92,886 |
| 7 | Ksh 106,262 | Ksh 9,094 | Ksh 90,906 |
| 8 | Ksh 120,426 | Ksh 11,409 | Ksh 88,591 |
| 9 | Ksh 134,198 | Ksh 14,116 | Ksh 85,884 |
| 10 | Ksh 147,511 | Ksh 17,282 | Ksh 82,718 |
| 11 | Ksh 160,288 | Ksh 20,985 | Ksh 79,015 |
| 12 | Ksh 172,436 | Ksh 25,316 | Ksh 74,684 |
| 13 | Ksh 183,851 | Ksh 30,381 | Ksh 69,619 |
| 14 | Ksh 194,407 | Ksh 36,304 | Ksh 63,696 |
| 15 | Ksh 203,960 | Ksh 43,231 | Ksh 56,769 |
| 16 | Ksh 212,338 | Ksh 51,332 | Ksh 48,668 |
| 17 | Ksh 219,343 | Ksh 60,807 | Ksh 39,193 |
| 18 | Ksh 224,742 | Ksh 71,887 | Ksh 28,113 |
| 19 | Ksh 228,263 | Ksh 84,845 | Ksh 15,155 |
| 20 | Ksh 229,588 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.