SBM Bank Kenya loan calculator for Ksh 100,000 over 5 years.
Estimate repayment for a SBM Bank Kenya loan using the current 18.09% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 2,544
60 monthly payments
Estimated total repayment
Ksh 152,654
Ksh 100,000 principal + interest
Estimated interest
Ksh 52,654
At 18.09%
Current SBM Bank Kenya loan interest rate
SBM Bank Kenya is listed at 18.09% 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
+2.10 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,929
For 60 months · incl. fees
Total repaid
Ksh 173,596
Principal Ksh 100,000 + Ksh 73,596 extras
Effective APR
26.70%
Advertised rate 18.09% · 52.7% 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 17,005 | Ksh 13,526 | Ksh 86,474 |
| 2 | Ksh 31,349 | Ksh 29,712 | Ksh 70,288 |
| 3 | Ksh 42,511 | Ksh 49,082 | Ksh 50,918 |
| 4 | Ksh 49,862 | Ksh 72,262 | Ksh 27,738 |
| 5 | Ksh 52,654 | 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.