M-Oriental Bank loan calculator for Ksh 10,000,000 over 3 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 352,410
36 monthly payments
Estimated total repayment
Ksh 12,686,767
Ksh 10,000,000 principal + interest
Estimated interest
Ksh 2,686,767
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 387,694
For 36 months · incl. fees
Total repaid
Ksh 13,645,278
Principal Ksh 10,000,000 + Ksh 3,645,278 extras
Effective APR
22.34%
Advertised rate 16.17% · 26.9% interest on principal
Repayment mix over 3 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 10,000,000 |
| 1 | Ksh 1,414,460 | Ksh 2,814,463 | Ksh 7,185,537 |
| 2 | Ksh 2,338,530 | Ksh 6,119,314 | Ksh 3,880,686 |
| 3 | Ksh 2,686,767 | Ksh 10,000,000 | 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.