KCB Bank Kenya loan calculator for Ksh 1,000,000 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 16,602
120 monthly payments
Estimated total repayment
Ksh 1,992,246
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 992,246
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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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 20,062
For 120 months · incl. fees
Total repaid
Ksh 2,283,656
Principal Ksh 1,000,000 + Ksh 1,283,656 extras
Effective APR
20.83%
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 1,000,000 |
| 1 | Ksh 154,458 | Ksh 44,767 | Ksh 955,233 |
| 2 | Ksh 301,328 | Ksh 97,122 | Ksh 902,878 |
| 3 | Ksh 439,323 | Ksh 158,351 | Ksh 841,649 |
| 4 | Ksh 566,941 | Ksh 229,957 | Ksh 770,043 |
| 5 | Ksh 682,422 | Ksh 313,702 | Ksh 686,298 |
| 6 | Ksh 783,708 | Ksh 411,640 | Ksh 588,360 |
| 7 | Ksh 868,394 | Ksh 526,179 | Ksh 473,821 |
| 8 | Ksh 933,665 | Ksh 660,132 | Ksh 339,868 |
| 9 | Ksh 976,232 | Ksh 816,789 | Ksh 183,211 |
| 10 | Ksh 992,246 | Ksh 1,000,000 | 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.