M-Oriental Bank loan calculator for Ksh 1,000,000 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 14,040
240 monthly payments
Estimated total repayment
Ksh 3,369,662
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,369,662
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 17,569
For 240 months · incl. fees
Total repaid
Ksh 4,020,141
Principal Ksh 1,000,000 + Ksh 3,020,141 extras
Effective APR
21.10%
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 1,000,000 |
| 1 | Ksh 161,174 | Ksh 7,309 | Ksh 992,691 |
| 2 | Ksh 321,075 | Ksh 15,892 | Ksh 984,108 |
| 3 | Ksh 479,480 | Ksh 25,970 | Ksh 974,030 |
| 4 | Ksh 636,129 | Ksh 37,804 | Ksh 962,196 |
| 5 | Ksh 790,716 | Ksh 51,700 | Ksh 948,300 |
| 6 | Ksh 942,882 | Ksh 68,017 | Ksh 931,983 |
| 7 | Ksh 1,092,205 | Ksh 87,177 | Ksh 912,823 |
| 8 | Ksh 1,238,189 | Ksh 109,676 | Ksh 890,324 |
| 9 | Ksh 1,380,253 | Ksh 136,095 | Ksh 863,905 |
| 10 | Ksh 1,517,714 | Ksh 167,117 | Ksh 832,883 |
| 11 | Ksh 1,649,770 | Ksh 203,544 | Ksh 796,456 |
| 12 | Ksh 1,775,479 | Ksh 246,318 | Ksh 753,682 |
| 13 | Ksh 1,893,735 | Ksh 296,545 | Ksh 703,455 |
| 14 | Ksh 2,003,239 | Ksh 355,524 | Ksh 644,476 |
| 15 | Ksh 2,102,467 | Ksh 424,779 | Ksh 575,221 |
| 16 | Ksh 2,189,628 | Ksh 506,102 | Ksh 493,898 |
| 17 | Ksh 2,262,619 | Ksh 601,593 | Ksh 398,407 |
| 18 | Ksh 2,318,972 | Ksh 713,723 | Ksh 286,277 |
| 19 | Ksh 2,355,788 | Ksh 845,391 | Ksh 154,609 |
| 20 | Ksh 2,369,662 | 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.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.