Bank Loan Rates Today
Today's lending rates across all Kenyan commercial banks. Current rates as of 30 June 2026. Use the calculator below to see your monthly repayment based on today's rates.
Calculate today's loan repayment
Use today's rates to calculate your loan repayment. Rates update daily based on Central Bank of Kenya data.
Lowest lending rate
10.36%
Citibank N.A. Kenya
Industry average
15.99%
Commercial banks
Banks tracked
38
Central Bank of Kenya
Loan details
KESCentral Bank of Kenya · May 2025
-5.63 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
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
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 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 |
Every Kenyan bank, side by side
Today's lending rates for all commercial banks in Kenya as reported by the Central Bank.
| 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 |