KCB loan rate today.
KCB Bank Kenya is listed at 15.76% lending rate. Change loan amount, years, interest rate and fees below.
KCB lending rate
15.76%
Current snapshot
Industry average
15.99%
Commercial banks
KCB deposit rate
7.07%
Savings benchmark
Editable KCB loan calculator
Loan details
KES3 years
Central Bank of Kenya · May 2025
KCB Bank KenyaDeposit 7.07%
-0.23 pp vs industry average
15.76%
Fees & duties
Processing, insurance, and 20% excise on interest.
2.50%
CRB check, legal, valuation, stamp duty.
1.00%
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
UpfrontKsh 17,500
Excise (20%)Ksh 26,139
InsuranceKsh 8,293
InterestKsh 130,696
Repayment mix over 3 years
Early payments lean on interest; later ones clear principal.
PrincipalInterest
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 |