Stanbic Bank Kenya loan calculator for Ksh 1,000,000 over 10 years.
Estimate repayment for a Stanbic Bank Kenya loan using the current 12.84% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 14,837
120 monthly payments
Estimated total repayment
Ksh 1,780,422
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 780,422
At 12.84%
Current Stanbic Bank Kenya loan interest rate
Stanbic Bank Kenya is listed at 12.84% weighted-average lending rate in this snapshot. The Kenya commercial-bank average is 15.99%.
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Edit the values below; results update instantly.
Loan details
KESCentral Bank of Kenya · May 2025
-3.15 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 17,810
For 120 months · incl. fees
Total repaid
Ksh 2,027,287
Principal Ksh 1,000,000 + Ksh 1,027,287 extras
Effective APR
17.27%
Advertised rate 12.84% · 78.0% interest on principal
Repayment mix over 10 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 125,372 | Ksh 52,670 | Ksh 947,330 |
| 2 | Ksh 243,568 | Ksh 112,516 | Ksh 887,484 |
| 3 | Ksh 353,612 | Ksh 180,515 | Ksh 819,485 |
| 4 | Ksh 454,391 | Ksh 257,777 | Ksh 742,223 |
| 5 | Ksh 544,646 | Ksh 345,565 | Ksh 654,435 |
| 6 | Ksh 622,940 | Ksh 445,313 | Ksh 554,687 |
| 7 | Ksh 687,646 | Ksh 558,650 | Ksh 441,350 |
| 8 | Ksh 736,912 | Ksh 687,426 | Ksh 312,574 |
| 9 | Ksh 768,634 | Ksh 833,746 | Ksh 166,254 |
| 10 | Ksh 780,422 | 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.
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Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.