Standard Chartered Bank Kenya loan calculator for Ksh 100,000 over 5 years.
Estimate repayment for a Standard Chartered Bank Kenya loan using the current 13.35% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 2,293
60 monthly payments
Estimated total repayment
Ksh 137,596
Ksh 100,000 principal + interest
Estimated interest
Ksh 37,596
At 13.35%
Current Standard Chartered Bank Kenya loan interest rate
Standard Chartered Bank Kenya is listed at 13.35% 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
-2.64 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,599
For 60 months · incl. fees
Total repaid
Ksh 155,431
Principal Ksh 100,000 + Ksh 55,431 extras
Effective APR
20.77%
Advertised rate 13.35% · 37.6% 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 12,450 | Ksh 15,069 | Ksh 84,931 |
| 2 | Ksh 22,761 | Ksh 32,278 | Ksh 67,722 |
| 3 | Ksh 30,628 | Ksh 51,930 | Ksh 48,070 |
| 4 | Ksh 35,705 | Ksh 74,372 | Ksh 25,628 |
| 5 | Ksh 37,596 | 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.