National Bank of Kenya loan calculator for Ksh 100,000 over 15 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 1,460
180 monthly payments
Estimated total repayment
Ksh 262,737
Ksh 100,000 principal + interest
Estimated interest
Ksh 162,736
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%.
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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 1,807
For 180 months · incl. fees
Total repaid
Ksh 313,038
Principal Ksh 100,000 + Ksh 213,038 extras
Effective APR
22.01%
Advertised rate 15.87% · 162.7% 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 100,000 |
| 1 | Ksh 15,745 | Ksh 1,771 | Ksh 98,229 |
| 2 | Ksh 31,187 | Ksh 3,844 | Ksh 96,156 |
| 3 | Ksh 46,276 | Ksh 6,272 | Ksh 93,728 |
| 4 | Ksh 60,950 | Ksh 9,114 | Ksh 90,886 |
| 5 | Ksh 75,138 | Ksh 12,441 | Ksh 87,559 |
| 6 | Ksh 88,758 | Ksh 16,336 | Ksh 83,664 |
| 7 | Ksh 101,714 | Ksh 20,897 | Ksh 79,103 |
| 8 | Ksh 113,890 | Ksh 26,236 | Ksh 73,764 |
| 9 | Ksh 125,155 | Ksh 32,487 | Ksh 67,513 |
| 10 | Ksh 135,352 | Ksh 39,806 | Ksh 60,194 |
| 11 | Ksh 144,299 | Ksh 48,374 | Ksh 51,626 |
| 12 | Ksh 151,783 | Ksh 58,406 | Ksh 41,594 |
| 13 | Ksh 157,554 | Ksh 70,151 | Ksh 29,849 |
| 14 | Ksh 161,319 | Ksh 83,901 | Ksh 16,099 |
| 15 | Ksh 162,736 | 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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