KCB Bank Kenya loan calculator for Ksh 10,000,000 over 3 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 350,387
36 monthly payments
Estimated total repayment
Ksh 12,613,917
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 2,613,917
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 384,987
For 36 months · incl. fees
Total repaid
Ksh 13,557,559
Principal Ksh 10,000,000 + Ksh 3,557,559 extras
Effective APR
21.84%
Advertised rate 15.76% · 26.1% interest on principal
Repayment mix over 3 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 10,000,000 |
| 1 | Ksh 1,377,561 | Ksh 2,827,078 | Ksh 7,172,922 |
| 2 | Ksh 2,275,941 | Ksh 6,133,338 | Ksh 3,866,662 |
| 3 | Ksh 2,613,917 | Ksh 10,000,000 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.