KCB Bank Kenya loan calculator for Ksh 5,000,000 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 68,664
240 monthly payments
Estimated total repayment
Ksh 16,479,374
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 11,479,376
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 85,964
For 240 months · incl. fees
Total repaid
Ksh 19,633,637
Principal Ksh 5,000,000 + Ksh 14,633,637 extras
Effective APR
20.50%
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 5,000,000 |
| 1 | Ksh 785,285 | Ksh 38,684 | Ksh 4,961,316 |
| 2 | Ksh 1,564,013 | Ksh 83,925 | Ksh 4,916,075 |
| 3 | Ksh 2,335,072 | Ksh 136,834 | Ksh 4,863,166 |
| 4 | Ksh 3,097,164 | Ksh 198,711 | Ksh 4,801,289 |
| 5 | Ksh 3,848,767 | Ksh 271,077 | Ksh 4,728,923 |
| 6 | Ksh 4,588,105 | Ksh 355,707 | Ksh 4,644,293 |
| 7 | Ksh 5,313,099 | Ksh 454,683 | Ksh 4,545,317 |
| 8 | Ksh 6,021,316 | Ksh 570,435 | Ksh 4,429,565 |
| 9 | Ksh 6,709,913 | Ksh 705,806 | Ksh 4,294,194 |
| 10 | Ksh 7,375,566 | Ksh 864,122 | Ksh 4,135,878 |
| 11 | Ksh 8,014,384 | Ksh 1,049,273 | Ksh 3,950,727 |
| 12 | Ksh 8,621,820 | Ksh 1,265,806 | Ksh 3,734,194 |
| 13 | Ksh 9,192,553 | Ksh 1,519,041 | Ksh 3,480,959 |
| 14 | Ksh 9,720,365 | Ksh 1,815,198 | Ksh 3,184,802 |
| 15 | Ksh 10,197,978 | Ksh 2,161,554 | Ksh 2,838,446 |
| 16 | Ksh 10,616,885 | Ksh 2,566,615 | Ksh 2,433,385 |
| 17 | Ksh 10,967,135 | Ksh 3,040,334 | Ksh 1,959,666 |
| 18 | Ksh 11,237,091 | Ksh 3,594,347 | Ksh 1,405,653 |
| 19 | Ksh 11,413,143 | Ksh 4,242,263 | Ksh 757,737 |
| 20 | Ksh 11,479,376 | 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.