Kingdom Bank loan calculator for Ksh 100,000 over 15 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 1,455
180 monthly payments
Estimated total repayment
Ksh 261,860
Ksh 100,000 principal + interest
Estimated interest
Ksh 161,860
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 1,801
For 180 months · incl. fees
Total repaid
Ksh 311,977
Principal Ksh 100,000 + Ksh 211,977 extras
Effective APR
21.92%
Advertised rate 15.80% · 161.9% 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 100,000 |
| 1 | Ksh 15,675 | Ksh 1,783 | Ksh 98,217 |
| 2 | Ksh 31,046 | Ksh 3,869 | Ksh 96,131 |
| 3 | Ksh 46,063 | Ksh 6,309 | Ksh 93,691 |
| 4 | Ksh 60,665 | Ksh 9,164 | Ksh 90,836 |
| 5 | Ksh 74,782 | Ksh 12,504 | Ksh 87,496 |
| 6 | Ksh 88,332 | Ksh 16,412 | Ksh 83,588 |
| 7 | Ksh 101,217 | Ksh 20,985 | Ksh 79,015 |
| 8 | Ksh 113,325 | Ksh 26,334 | Ksh 73,666 |
| 9 | Ksh 124,524 | Ksh 32,593 | Ksh 67,408 |
| 10 | Ksh 134,659 | Ksh 39,915 | Ksh 60,085 |
| 11 | Ksh 143,550 | Ksh 48,481 | Ksh 51,519 |
| 12 | Ksh 150,984 | Ksh 58,504 | Ksh 41,496 |
| 13 | Ksh 156,716 | Ksh 70,230 | Ksh 29,770 |
| 14 | Ksh 160,454 | Ksh 83,949 | Ksh 16,051 |
| 15 | Ksh 161,860 | 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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