M-Oriental Bank loan calculator for Ksh 100,000 over 15 years.
Estimate repayment for a M-Oriental Bank loan using the current 16.17% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,481
180 monthly payments
Estimated total repayment
Ksh 266,503
Ksh 100,000 principal + interest
Estimated interest
Ksh 166,503
At 16.17%
Current M-Oriental Bank loan interest rate
M-Oriental Bank is listed at 16.17% 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
+0.18 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 1,833
For 180 months · incl. fees
Total repaid
Ksh 317,600
Principal Ksh 100,000 + Ksh 217,600 extras
Effective APR
22.39%
Advertised rate 16.17% · 166.5% 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 16,046 | Ksh 1,721 | Ksh 98,279 |
| 2 | Ksh 31,793 | Ksh 3,741 | Ksh 96,259 |
| 3 | Ksh 47,187 | Ksh 6,114 | Ksh 93,886 |
| 4 | Ksh 62,168 | Ksh 8,900 | Ksh 91,100 |
| 5 | Ksh 76,663 | Ksh 12,171 | Ksh 87,829 |
| 6 | Ksh 90,589 | Ksh 16,012 | Ksh 83,988 |
| 7 | Ksh 103,845 | Ksh 20,523 | Ksh 79,477 |
| 8 | Ksh 116,315 | Ksh 25,819 | Ksh 74,181 |
| 9 | Ksh 127,863 | Ksh 32,039 | Ksh 67,961 |
| 10 | Ksh 138,327 | Ksh 39,342 | Ksh 60,658 |
| 11 | Ksh 147,518 | Ksh 47,918 | Ksh 52,082 |
| 12 | Ksh 155,215 | Ksh 57,987 | Ksh 42,013 |
| 13 | Ksh 161,157 | Ksh 69,812 | Ksh 30,188 |
| 14 | Ksh 165,040 | Ksh 83,696 | Ksh 16,304 |
| 15 | Ksh 166,503 | 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.