Loan interest rates today in Kenya.
Compare current bank lending rates and calculate repayments. Change amount, years, lender, rate and fees below.
Lowest lending rate
10.36%
Citibank N.A. Kenya
Industry average
15.99%
Commercial banks
Banks tracked
38
Central Bank of Kenya
Editable Kenya loan calculator
Loan details
KES3 years
Central Bank of Kenya · May 2025
Citibank N.A. KenyaDeposit 7.29%
-5.63 pp vs industry average
10.36%
Fees & duties
Processing, insurance, and 20% excise on interest.
2.50%
CRB check, legal, valuation, stamp duty.
1.00%
Monthly payment
Ksh 17,498
For 36 months · incl. fees
Total repaid
Ksh 626,222
Principal Ksh 500,000 + Ksh 126,222 extras
Effective APR
15.98%
Advertised rate 10.36% · 16.8% interest on principal
UpfrontKsh 17,500
Excise (20%)Ksh 16,771
InsuranceKsh 8,094
InterestKsh 83,856
Repayment mix over 3 years
Early payments lean on interest; later ones clear principal.
PrincipalInterest
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 500,000 |
| 1 | Ksh 44,819 | Ksh 149,799 | Ksh 350,201 |
| 2 | Ksh 73,361 | Ksh 315,876 | Ksh 184,124 |
| 3 | Ksh 83,856 | Ksh 500,000 | Ksh 0 |
Bank loan rate ranking
| Rank | Bank | Lending | Loan page |
|---|---|---|---|
| 1 | Citibank N.A. Kenya | 10.36% | Open |
| 2 | Stanbic Bank Kenya | 12.84% | Open |
| 3 | Standard Chartered Bank Kenya | 13.35% | Open |
| 4 | Guardian Bank | 13.57% | Open |
| 5 | Consolidated Bank of Kenya | 13.61% | Open |
| 6 | Ecobank Kenya | 13.72% | Open |
| 7 | Paramount Bank | 14.47% | Open |
| 8 | Habib Bank A.G. Zurich | 14.55% | Open |
| 9 | Gulf African Bank | 14.77% | Open |
| 10 | Equity Bank Kenya | 14.89% | Open |
| 11 | Bank of India | 14.94% | Open |
| 12 | Premier Bank Kenya | 15.12% | Open |
| 13 | Bank of Baroda (Kenya) | 15.12% | Open |
| 14 | Diamond Trust Bank Kenya | 15.44% | Open |
| 15 | ABSA Bank Kenya | 15.48% | Open |
| 16 | Guaranty Trust Bank | 15.61% | Open |
| 17 | Victoria Commercial Bank | 15.68% | Open |
| 18 | NCBA Bank Kenya | 15.68% | Open |
| 19 | KCB Bank Kenya | 15.76% | Open |
| 20 | Prime Bank | 15.79% | Open |
| 21 | Kingdom Bank | 15.80% | Open |
| 22 | National Bank of Kenya | 15.87% | Open |
| 23 | Co-operative Bank of Kenya | 16.10% | Open |
| 24 | M-Oriental Bank | 16.17% | Open |
| 25 | Family Bank | 16.40% | Open |
| 26 | Development Bank of Kenya | 16.63% | Open |
| 27 | DIB Bank Kenya | 16.87% | Open |
| 28 | UBA Kenya Bank | 16.90% | Open |
| 29 | I&M Bank | 16.90% | Open |
| 30 | African Banking Corporation | 17.31% | Open |
| 31 | Sidian Bank | 17.68% | Open |
| 32 | Bank of Africa Kenya | 18.07% | Open |
| 33 | SBM Bank Kenya | 18.09% | Open |
| 34 | HFC Limited | 18.99% | Open |
| 35 | Credit Bank | 19.41% | Open |
| 36 | Middle East Bank | 19.87% | Open |
| 37 | Access Bank Kenya | 19.98% | Open |
| 38 | Commercial International Bank Kenya | 20.00% | Open |