KCB Bank Kenya loan calculator for Ksh 5,000,000 over 5 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 120,954
60 monthly payments
Estimated total repayment
Ksh 7,257,217
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 2,257,216
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 138,254
For 60 months · incl. fees
Total repaid
Ksh 7,981,884
Principal Ksh 5,000,000 + Ksh 2,981,884 extras
Effective APR
21.20%
Advertised rate 15.76% · 45.1% interest on principal
Repayment mix over 5 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 737,916 | Ksh 713,527 | Ksh 4,286,473 |
| 2 | Ksh 1,354,891 | Ksh 1,547,996 | Ksh 3,452,004 |
| 3 | Ksh 1,830,426 | Ksh 2,523,904 | Ksh 2,476,096 |
| 4 | Ksh 2,140,547 | Ksh 3,665,226 | Ksh 1,334,774 |
| 5 | Ksh 2,257,216 | 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.