KCB Bank Kenya loan calculator for Ksh 500,000 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 6,866
240 monthly payments
Estimated total repayment
Ksh 1,647,938
Ksh 500,000 principal + interest
Estimated interest
Ksh 1,147,938
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 8,596
For 240 months · incl. fees
Total repaid
Ksh 1,967,864
Principal Ksh 500,000 + Ksh 1,467,864 extras
Effective APR
20.71%
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 500,000 |
| 1 | Ksh 78,528 | Ksh 3,868 | Ksh 496,132 |
| 2 | Ksh 156,401 | Ksh 8,393 | Ksh 491,608 |
| 3 | Ksh 233,507 | Ksh 13,683 | Ksh 486,317 |
| 4 | Ksh 309,716 | Ksh 19,871 | Ksh 480,129 |
| 5 | Ksh 384,877 | Ksh 27,108 | Ksh 472,892 |
| 6 | Ksh 458,811 | Ksh 35,571 | Ksh 464,429 |
| 7 | Ksh 531,310 | Ksh 45,468 | Ksh 454,532 |
| 8 | Ksh 602,132 | Ksh 57,043 | Ksh 442,957 |
| 9 | Ksh 670,991 | Ksh 70,581 | Ksh 429,419 |
| 10 | Ksh 737,557 | Ksh 86,412 | Ksh 413,588 |
| 11 | Ksh 801,438 | Ksh 104,927 | Ksh 395,073 |
| 12 | Ksh 862,182 | Ksh 126,581 | Ksh 373,419 |
| 13 | Ksh 919,255 | Ksh 151,904 | Ksh 348,096 |
| 14 | Ksh 972,036 | Ksh 181,520 | Ksh 318,480 |
| 15 | Ksh 1,019,798 | Ksh 216,155 | Ksh 283,845 |
| 16 | Ksh 1,061,689 | Ksh 256,662 | Ksh 243,338 |
| 17 | Ksh 1,096,714 | Ksh 304,033 | Ksh 195,967 |
| 18 | Ksh 1,123,709 | Ksh 359,435 | Ksh 140,565 |
| 19 | Ksh 1,141,314 | Ksh 424,226 | Ksh 75,774 |
| 20 | Ksh 1,147,938 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.