Kingdom Bank loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Kingdom Bank loan using the current 15.80% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,663
120 monthly payments
Estimated total repayment
Ksh 199,523
Ksh 100,000 principal + interest
Estimated interest
Ksh 99,523
At 15.80%
Current Kingdom Bank loan interest rate
Kingdom Bank is listed at 15.80% 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
-0.19 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,009
For 120 months · incl. fees
Total repaid
Ksh 233,226
Principal Ksh 100,000 + Ksh 133,226 extras
Effective APR
22.36%
Advertised rate 15.80% · 99.5% 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 100,000 |
| 1 | Ksh 15,486 | Ksh 4,467 | Ksh 95,533 |
| 2 | Ksh 30,212 | Ksh 9,692 | Ksh 90,308 |
| 3 | Ksh 44,051 | Ksh 15,806 | Ksh 84,194 |
| 4 | Ksh 56,850 | Ksh 22,959 | Ksh 77,041 |
| 5 | Ksh 68,434 | Ksh 31,328 | Ksh 68,672 |
| 6 | Ksh 78,595 | Ksh 41,119 | Ksh 58,881 |
| 7 | Ksh 87,092 | Ksh 52,574 | Ksh 47,426 |
| 8 | Ksh 93,642 | Ksh 65,976 | Ksh 34,024 |
| 9 | Ksh 97,915 | Ksh 81,655 | Ksh 18,345 |
| 10 | Ksh 99,523 | Ksh 100,000 | 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.