KCB Bank Kenya loan calculator for Ksh 1,000,000 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 13,733
240 monthly payments
Estimated total repayment
Ksh 3,295,874
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,295,875
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 17,193
For 240 months · incl. fees
Total repaid
Ksh 3,930,728
Principal Ksh 1,000,000 + Ksh 2,930,728 extras
Effective APR
20.59%
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 1,000,000 |
| 1 | Ksh 157,057 | Ksh 7,737 | Ksh 992,263 |
| 2 | Ksh 312,803 | Ksh 16,785 | Ksh 983,215 |
| 3 | Ksh 467,014 | Ksh 27,367 | Ksh 972,633 |
| 4 | Ksh 619,433 | Ksh 39,742 | Ksh 960,258 |
| 5 | Ksh 769,753 | Ksh 54,215 | Ksh 945,785 |
| 6 | Ksh 917,621 | Ksh 71,141 | Ksh 928,859 |
| 7 | Ksh 1,062,620 | Ksh 90,937 | Ksh 909,063 |
| 8 | Ksh 1,204,263 | Ksh 114,087 | Ksh 885,913 |
| 9 | Ksh 1,341,983 | Ksh 141,161 | Ksh 858,839 |
| 10 | Ksh 1,475,113 | Ksh 172,824 | Ksh 827,176 |
| 11 | Ksh 1,602,877 | Ksh 209,855 | Ksh 790,145 |
| 12 | Ksh 1,724,364 | Ksh 253,161 | Ksh 746,839 |
| 13 | Ksh 1,838,511 | Ksh 303,808 | Ksh 696,192 |
| 14 | Ksh 1,944,073 | Ksh 363,040 | Ksh 636,960 |
| 15 | Ksh 2,039,596 | Ksh 432,311 | Ksh 567,689 |
| 16 | Ksh 2,123,377 | Ksh 513,323 | Ksh 486,677 |
| 17 | Ksh 2,193,427 | Ksh 608,067 | Ksh 391,933 |
| 18 | Ksh 2,247,418 | Ksh 718,869 | Ksh 281,131 |
| 19 | Ksh 2,282,629 | Ksh 848,453 | Ksh 151,547 |
| 20 | Ksh 2,295,875 | 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.