KCB Bank Kenya loan calculator for Ksh 5,000,000 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 83,010
120 monthly payments
Estimated total repayment
Ksh 9,961,232
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 4,961,232
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 100,310
For 120 months · incl. fees
Total repaid
Ksh 11,398,278
Principal Ksh 5,000,000 + Ksh 6,398,278 extras
Effective APR
20.71%
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 5,000,000 |
| 1 | Ksh 772,289 | Ksh 223,835 | Ksh 4,776,165 |
| 2 | Ksh 1,506,638 | Ksh 485,609 | Ksh 4,514,391 |
| 3 | Ksh 2,196,617 | Ksh 791,753 | Ksh 4,208,247 |
| 4 | Ksh 2,834,706 | Ksh 1,149,787 | Ksh 3,850,213 |
| 5 | Ksh 3,412,108 | Ksh 1,568,508 | Ksh 3,431,492 |
| 6 | Ksh 3,918,539 | Ksh 2,058,201 | Ksh 2,941,799 |
| 7 | Ksh 4,341,968 | Ksh 2,630,895 | Ksh 2,369,105 |
| 8 | Ksh 4,668,326 | Ksh 3,300,659 | Ksh 1,699,341 |
| 9 | Ksh 4,881,162 | Ksh 4,083,947 | Ksh 916,053 |
| 10 | Ksh 4,961,232 | Ksh 5,000,000 | 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.