M-Oriental Bank loan calculator for Ksh 100,000 over 20 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 1,404
240 monthly payments
Estimated total repayment
Ksh 336,967
Ksh 100,000 principal + interest
Estimated interest
Ksh 236,966
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%.
Change loan details
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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 1,757
For 240 months · incl. fees
Total repaid
Ksh 406,514
Principal Ksh 100,000 + Ksh 306,514 extras
Effective APR
22.21%
Advertised rate 16.17% · 237.0% interest on principal
Repayment mix over 20 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 16,117 | Ksh 731 | Ksh 99,269 |
| 2 | Ksh 32,107 | Ksh 1,589 | Ksh 98,411 |
| 3 | Ksh 47,948 | Ksh 2,597 | Ksh 97,403 |
| 4 | Ksh 63,613 | Ksh 3,780 | Ksh 96,220 |
| 5 | Ksh 79,072 | Ksh 5,170 | Ksh 94,830 |
| 6 | Ksh 94,288 | Ksh 6,802 | Ksh 93,198 |
| 7 | Ksh 109,220 | Ksh 8,718 | Ksh 91,282 |
| 8 | Ksh 123,819 | Ksh 10,968 | Ksh 89,032 |
| 9 | Ksh 138,025 | Ksh 13,609 | Ksh 86,391 |
| 10 | Ksh 151,771 | Ksh 16,712 | Ksh 83,288 |
| 11 | Ksh 164,977 | Ksh 20,354 | Ksh 79,646 |
| 12 | Ksh 177,548 | Ksh 24,632 | Ksh 75,368 |
| 13 | Ksh 189,373 | Ksh 29,655 | Ksh 70,345 |
| 14 | Ksh 200,324 | Ksh 35,552 | Ksh 64,448 |
| 15 | Ksh 210,247 | Ksh 42,478 | Ksh 57,522 |
| 16 | Ksh 218,963 | Ksh 50,610 | Ksh 49,390 |
| 17 | Ksh 226,262 | Ksh 60,159 | Ksh 39,841 |
| 18 | Ksh 231,897 | Ksh 71,372 | Ksh 28,628 |
| 19 | Ksh 235,579 | Ksh 84,539 | Ksh 15,461 |
| 20 | Ksh 236,966 | 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.