KCB Bank Kenya loan calculator for Ksh 500,000 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 8,301
120 monthly payments
Estimated total repayment
Ksh 996,124
Ksh 500,000 principal + interest
Estimated interest
Ksh 496,123
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 10,031
For 120 months · incl. fees
Total repaid
Ksh 1,144,328
Principal Ksh 500,000 + Ksh 644,328 extras
Effective APR
20.99%
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 500,000 |
| 1 | Ksh 77,229 | Ksh 22,383 | Ksh 477,617 |
| 2 | Ksh 150,664 | Ksh 48,561 | Ksh 451,439 |
| 3 | Ksh 219,662 | Ksh 79,175 | Ksh 420,825 |
| 4 | Ksh 283,471 | Ksh 114,979 | Ksh 385,021 |
| 5 | Ksh 341,211 | Ksh 156,851 | Ksh 343,149 |
| 6 | Ksh 391,854 | Ksh 205,820 | Ksh 294,180 |
| 7 | Ksh 434,197 | Ksh 263,089 | Ksh 236,911 |
| 8 | Ksh 466,833 | Ksh 330,066 | Ksh 169,934 |
| 9 | Ksh 488,116 | Ksh 408,395 | Ksh 91,605 |
| 10 | Ksh 496,123 | Ksh 500,000 | 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.