KCB Bank Kenya loan calculator for Ksh 2,000,000 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 29,040
180 monthly payments
Estimated total repayment
Ksh 5,227,207
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 3,227,207
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
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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 35,960
For 180 months · incl. fees
Total repaid
Ksh 6,132,421
Principal Ksh 2,000,000 + Ksh 4,132,421 extras
Effective APR
20.60%
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 2,000,000 |
| 1 | Ksh 312,688 | Ksh 35,793 | Ksh 1,964,207 |
| 2 | Ksh 619,308 | Ksh 77,653 | Ksh 1,922,347 |
| 3 | Ksh 918,834 | Ksh 126,607 | Ksh 1,873,393 |
| 4 | Ksh 1,210,062 | Ksh 183,860 | Ksh 1,816,140 |
| 5 | Ksh 1,491,586 | Ksh 250,816 | Ksh 1,749,184 |
| 6 | Ksh 1,761,761 | Ksh 329,122 | Ksh 1,670,878 |
| 7 | Ksh 2,018,663 | Ksh 420,700 | Ksh 1,579,300 |
| 8 | Ksh 2,260,043 | Ksh 527,801 | Ksh 1,472,199 |
| 9 | Ksh 2,483,270 | Ksh 653,054 | Ksh 1,346,946 |
| 10 | Ksh 2,685,267 | Ksh 799,538 | Ksh 1,200,462 |
| 11 | Ksh 2,862,435 | Ksh 970,851 | Ksh 1,029,149 |
| 12 | Ksh 3,010,566 | Ksh 1,171,200 | Ksh 828,800 |
| 13 | Ksh 3,124,738 | Ksh 1,405,508 | Ksh 594,492 |
| 14 | Ksh 3,199,196 | Ksh 1,679,531 | Ksh 320,469 |
| 15 | Ksh 3,227,207 | 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.