KCB Bank Kenya loan calculator for Ksh 5,000,000 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 72,600
180 monthly payments
Estimated total repayment
Ksh 13,068,018
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 8,068,018
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
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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 89,900
For 180 months · incl. fees
Total repaid
Ksh 15,323,552
Principal Ksh 5,000,000 + Ksh 10,323,552 extras
Effective APR
20.56%
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 5,000,000 |
| 1 | Ksh 781,719 | Ksh 89,482 | Ksh 4,910,518 |
| 2 | Ksh 1,548,271 | Ksh 194,131 | Ksh 4,805,869 |
| 3 | Ksh 2,297,085 | Ksh 316,518 | Ksh 4,683,482 |
| 4 | Ksh 3,025,155 | Ksh 459,649 | Ksh 4,540,351 |
| 5 | Ksh 3,728,965 | Ksh 627,041 | Ksh 4,372,959 |
| 6 | Ksh 4,404,402 | Ksh 822,805 | Ksh 4,177,195 |
| 7 | Ksh 5,046,658 | Ksh 1,051,750 | Ksh 3,948,250 |
| 8 | Ksh 5,650,108 | Ksh 1,319,501 | Ksh 3,680,499 |
| 9 | Ksh 6,208,175 | Ksh 1,632,636 | Ksh 3,367,364 |
| 10 | Ksh 6,713,167 | Ksh 1,998,845 | Ksh 3,001,155 |
| 11 | Ksh 7,156,087 | Ksh 2,427,126 | Ksh 2,572,874 |
| 12 | Ksh 7,526,415 | Ksh 2,928,000 | Ksh 2,072,000 |
| 13 | Ksh 7,811,845 | Ksh 3,513,771 | Ksh 1,486,229 |
| 14 | Ksh 7,997,989 | Ksh 4,198,828 | Ksh 801,172 |
| 15 | Ksh 8,068,018 | 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.