KCB Bank Kenya loan calculator for Ksh 1,000,000 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 14,520
180 monthly payments
Estimated total repayment
Ksh 2,613,604
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,613,604
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 17,980
For 180 months · incl. fees
Total repaid
Ksh 3,068,710
Principal Ksh 1,000,000 + Ksh 2,068,710 extras
Effective APR
20.66%
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 1,000,000 |
| 1 | Ksh 156,344 | Ksh 17,896 | Ksh 982,104 |
| 2 | Ksh 309,654 | Ksh 38,826 | Ksh 961,174 |
| 3 | Ksh 459,417 | Ksh 63,304 | Ksh 936,696 |
| 4 | Ksh 605,031 | Ksh 91,930 | Ksh 908,070 |
| 5 | Ksh 745,793 | Ksh 125,408 | Ksh 874,592 |
| 6 | Ksh 880,880 | Ksh 164,561 | Ksh 835,439 |
| 7 | Ksh 1,009,332 | Ksh 210,350 | Ksh 789,650 |
| 8 | Ksh 1,130,022 | Ksh 263,900 | Ksh 736,100 |
| 9 | Ksh 1,241,635 | Ksh 326,527 | Ksh 673,473 |
| 10 | Ksh 1,342,633 | Ksh 399,769 | Ksh 600,231 |
| 11 | Ksh 1,431,217 | Ksh 485,425 | Ksh 514,575 |
| 12 | Ksh 1,505,283 | Ksh 585,600 | Ksh 414,400 |
| 13 | Ksh 1,562,369 | Ksh 702,754 | Ksh 297,246 |
| 14 | Ksh 1,599,598 | Ksh 839,766 | Ksh 160,234 |
| 15 | Ksh 1,613,604 | 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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