National Bank of Kenya loan calculator for Ksh 100,000 over 5 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 2,425
60 monthly payments
Estimated total repayment
Ksh 145,494
Ksh 100,000 principal + interest
Estimated interest
Ksh 45,494
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 2,773
For 60 months · incl. fees
Total repaid
Ksh 164,960
Principal Ksh 100,000 + Ksh 64,960 extras
Effective APR
23.92%
Advertised rate 15.87% · 45.5% interest on principal
Repayment mix over 5 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 14,864 | Ksh 14,235 | Ksh 85,765 |
| 2 | Ksh 27,297 | Ksh 30,900 | Ksh 69,100 |
| 3 | Ksh 36,885 | Ksh 50,412 | Ksh 49,588 |
| 4 | Ksh 43,140 | Ksh 73,256 | Ksh 26,744 |
| 5 | Ksh 45,494 | 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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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.