KCB Bank Kenya loan calculator for Ksh 2,000,000 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 33,204
120 monthly payments
Estimated total repayment
Ksh 3,984,493
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 1,984,493
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 40,124
For 120 months · incl. fees
Total repaid
Ksh 4,562,311
Principal Ksh 2,000,000 + Ksh 2,562,311 extras
Effective APR
20.76%
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 2,000,000 |
| 1 | Ksh 308,915 | Ksh 89,534 | Ksh 1,910,466 |
| 2 | Ksh 602,655 | Ksh 194,243 | Ksh 1,805,757 |
| 3 | Ksh 878,647 | Ksh 316,701 | Ksh 1,683,299 |
| 4 | Ksh 1,133,882 | Ksh 459,915 | Ksh 1,540,085 |
| 5 | Ksh 1,364,843 | Ksh 627,403 | Ksh 1,372,597 |
| 6 | Ksh 1,567,415 | Ksh 823,280 | Ksh 1,176,720 |
| 7 | Ksh 1,736,787 | Ksh 1,052,358 | Ksh 947,642 |
| 8 | Ksh 1,867,331 | Ksh 1,320,264 | Ksh 679,736 |
| 9 | Ksh 1,952,465 | Ksh 1,633,579 | Ksh 366,421 |
| 10 | Ksh 1,984,493 | Ksh 2,000,000 | 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.