National Bank of Kenya loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a National Bank of Kenya loan using the current 15.87% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,667
120 monthly payments
Estimated total repayment
Ksh 200,045
Ksh 100,000 principal + interest
Estimated interest
Ksh 100,045
At 15.87%
Current National Bank of Kenya loan interest rate
National Bank of Kenya is listed at 15.87% 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
-0.12 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,015
For 120 months · incl. fees
Total repaid
Ksh 233,858
Principal Ksh 100,000 + Ksh 133,858 extras
Effective APR
22.45%
Advertised rate 15.87% · 100.0% interest on principal
Repayment mix over 10 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 15,556 | Ksh 4,449 | Ksh 95,551 |
| 2 | Ksh 30,352 | Ksh 9,657 | Ksh 90,343 |
| 3 | Ksh 44,258 | Ksh 15,755 | Ksh 84,245 |
| 4 | Ksh 57,123 | Ksh 22,895 | Ksh 77,105 |
| 5 | Ksh 68,769 | Ksh 31,253 | Ksh 68,747 |
| 6 | Ksh 78,987 | Ksh 41,039 | Ksh 58,961 |
| 7 | Ksh 87,535 | Ksh 52,496 | Ksh 47,504 |
| 8 | Ksh 94,126 | Ksh 65,910 | Ksh 34,090 |
| 9 | Ksh 98,426 | Ksh 81,614 | Ksh 18,386 |
| 10 | Ksh 100,045 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.