NCBA Bank Kenya loan calculator for Ksh 1,000,000 over 3 years.
Estimate repayment for a NCBA Bank Kenya loan using the current 15.68% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 34,999
36 monthly payments
Estimated total repayment
Ksh 1,259,973
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 259,973
At 15.68%
Current NCBA Bank Kenya loan interest rate
NCBA Bank Kenya is listed at 15.68% 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
-0.31 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 38,446
For 36 months · incl. fees
Total repaid
Ksh 1,358,548
Principal Ksh 1,000,000 + Ksh 358,548 extras
Effective APR
22.09%
Advertised rate 15.68% · 26.0% 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 1,000,000 |
| 1 | Ksh 137,037 | Ksh 282,954 | Ksh 717,046 |
| 2 | Ksh 226,375 | Ksh 613,607 | Ksh 386,393 |
| 3 | Ksh 259,973 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.