KCB Bank Kenya loan calculator for Ksh 500,000 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 7,260
180 monthly payments
Estimated total repayment
Ksh 1,306,802
Ksh 500,000 principal + interest
Estimated interest
Ksh 806,802
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 8,990
For 180 months · incl. fees
Total repaid
Ksh 1,536,855
Principal Ksh 500,000 + Ksh 1,036,855 extras
Effective APR
20.79%
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 500,000 |
| 1 | Ksh 78,172 | Ksh 8,948 | Ksh 491,052 |
| 2 | Ksh 154,827 | Ksh 19,413 | Ksh 480,587 |
| 3 | Ksh 229,709 | Ksh 31,652 | Ksh 468,348 |
| 4 | Ksh 302,516 | Ksh 45,965 | Ksh 454,035 |
| 5 | Ksh 372,897 | Ksh 62,704 | Ksh 437,296 |
| 6 | Ksh 440,440 | Ksh 82,280 | Ksh 417,720 |
| 7 | Ksh 504,666 | Ksh 105,175 | Ksh 394,825 |
| 8 | Ksh 565,011 | Ksh 131,950 | Ksh 368,050 |
| 9 | Ksh 620,818 | Ksh 163,264 | Ksh 336,736 |
| 10 | Ksh 671,317 | Ksh 199,885 | Ksh 300,115 |
| 11 | Ksh 715,609 | Ksh 242,713 | Ksh 257,287 |
| 12 | Ksh 752,641 | Ksh 292,800 | Ksh 207,200 |
| 13 | Ksh 781,185 | Ksh 351,377 | Ksh 148,623 |
| 14 | Ksh 799,799 | Ksh 419,883 | Ksh 80,117 |
| 15 | Ksh 806,802 | 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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