M-Oriental Bank loan calculator for Ksh 1,000,000 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 14,806
180 monthly payments
Estimated total repayment
Ksh 2,665,028
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,665,027
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
Edit the values below; results update instantly.
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 18,334
For 180 months · incl. fees
Total repaid
Ksh 3,131,002
Principal Ksh 1,000,000 + Ksh 2,131,002 extras
Effective APR
21.17%
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 1,000,000 |
| 1 | Ksh 160,462 | Ksh 17,207 | Ksh 982,793 |
| 2 | Ksh 317,925 | Ksh 37,412 | Ksh 962,588 |
| 3 | Ksh 471,869 | Ksh 61,137 | Ksh 938,863 |
| 4 | Ksh 621,678 | Ksh 88,996 | Ksh 911,004 |
| 5 | Ksh 766,633 | Ksh 121,709 | Ksh 878,291 |
| 6 | Ksh 905,888 | Ksh 160,122 | Ksh 839,878 |
| 7 | Ksh 1,038,450 | Ksh 205,229 | Ksh 794,771 |
| 8 | Ksh 1,163,153 | Ksh 258,194 | Ksh 741,806 |
| 9 | Ksh 1,278,628 | Ksh 320,389 | Ksh 679,611 |
| 10 | Ksh 1,383,265 | Ksh 393,420 | Ksh 606,580 |
| 11 | Ksh 1,475,178 | Ksh 479,175 | Ksh 520,825 |
| 12 | Ksh 1,552,149 | Ksh 579,873 | Ksh 420,127 |
| 13 | Ksh 1,611,574 | Ksh 698,116 | Ksh 301,884 |
| 14 | Ksh 1,650,397 | Ksh 836,962 | Ksh 163,038 |
| 15 | Ksh 1,665,027 | Ksh 1,000,000 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.