KCB Bank Kenya loan calculator for Ksh 2,000,000 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 27,466
240 monthly payments
Estimated total repayment
Ksh 6,591,751
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 4,591,750
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 34,386
For 240 months · incl. fees
Total repaid
Ksh 7,856,455
Principal Ksh 2,000,000 + Ksh 5,856,455 extras
Effective APR
20.53%
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 2,000,000 |
| 1 | Ksh 314,114 | Ksh 15,474 | Ksh 1,984,526 |
| 2 | Ksh 625,605 | Ksh 33,570 | Ksh 1,966,430 |
| 3 | Ksh 934,029 | Ksh 54,734 | Ksh 1,945,266 |
| 4 | Ksh 1,238,866 | Ksh 79,485 | Ksh 1,920,515 |
| 5 | Ksh 1,539,507 | Ksh 108,431 | Ksh 1,891,569 |
| 6 | Ksh 1,835,242 | Ksh 142,283 | Ksh 1,857,717 |
| 7 | Ksh 2,125,239 | Ksh 181,873 | Ksh 1,818,127 |
| 8 | Ksh 2,408,526 | Ksh 228,174 | Ksh 1,771,826 |
| 9 | Ksh 2,683,965 | Ksh 282,322 | Ksh 1,717,678 |
| 10 | Ksh 2,950,226 | Ksh 345,649 | Ksh 1,654,351 |
| 11 | Ksh 3,205,754 | Ksh 419,709 | Ksh 1,580,291 |
| 12 | Ksh 3,448,728 | Ksh 506,322 | Ksh 1,493,678 |
| 13 | Ksh 3,677,021 | Ksh 607,616 | Ksh 1,392,384 |
| 14 | Ksh 3,888,146 | Ksh 726,079 | Ksh 1,273,921 |
| 15 | Ksh 4,079,191 | Ksh 864,621 | Ksh 1,135,379 |
| 16 | Ksh 4,246,754 | Ksh 1,026,646 | Ksh 973,354 |
| 17 | Ksh 4,386,854 | Ksh 1,216,134 | Ksh 783,866 |
| 18 | Ksh 4,494,836 | Ksh 1,437,739 | Ksh 562,261 |
| 19 | Ksh 4,565,257 | Ksh 1,696,905 | Ksh 303,095 |
| 20 | Ksh 4,591,750 | 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.