KCB Bank Kenya loan calculator for Ksh 500,000 over 3 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 17,519
36 monthly payments
Estimated total repayment
Ksh 630,696
Ksh 500,000 principal + interest
Estimated interest
Ksh 130,696
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 19,249
For 36 months · incl. fees
Total repaid
Ksh 682,628
Principal Ksh 500,000 + Ksh 182,628 extras
Effective APR
22.57%
Advertised rate 15.76% · 26.1% interest on principal
Repayment mix over 3 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 68,878 | Ksh 141,354 | Ksh 358,646 |
| 2 | Ksh 113,797 | Ksh 306,667 | Ksh 193,333 |
| 3 | Ksh 130,696 | 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.