Standard Chartered Bank Kenya loan calculator for Ksh 500,000 over 20 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 5,983
240 monthly payments
Estimated total repayment
Ksh 1,435,918
Ksh 500,000 principal + interest
Estimated interest
Ksh 935,917
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%.
Change loan details
Edit the values below; results update instantly.
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 7,512
For 240 months · incl. fees
Total repaid
Ksh 1,710,707
Principal Ksh 500,000 + Ksh 1,210,707 extras
Effective APR
17.74%
Advertised rate 13.35% · 187.2% interest on principal
Repayment mix over 20 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 66,430 | Ksh 5,366 | Ksh 494,634 |
| 2 | Ksh 132,097 | Ksh 11,495 | Ksh 488,505 |
| 3 | Ksh 196,895 | Ksh 18,493 | Ksh 481,507 |
| 4 | Ksh 260,699 | Ksh 26,485 | Ksh 473,515 |
| 5 | Ksh 323,368 | Ksh 35,612 | Ksh 464,388 |
| 6 | Ksh 384,741 | Ksh 46,034 | Ksh 453,966 |
| 7 | Ksh 444,635 | Ksh 57,936 | Ksh 442,064 |
| 8 | Ksh 502,839 | Ksh 71,528 | Ksh 428,472 |
| 9 | Ksh 559,113 | Ksh 87,050 | Ksh 412,950 |
| 10 | Ksh 613,183 | Ksh 104,776 | Ksh 395,224 |
| 11 | Ksh 664,736 | Ksh 125,018 | Ksh 374,982 |
| 12 | Ksh 713,416 | Ksh 148,135 | Ksh 351,865 |
| 13 | Ksh 758,813 | Ksh 174,533 | Ksh 325,467 |
| 14 | Ksh 800,463 | Ksh 204,679 | Ksh 295,321 |
| 15 | Ksh 837,832 | Ksh 239,106 | Ksh 260,894 |
| 16 | Ksh 870,313 | Ksh 278,420 | Ksh 221,580 |
| 17 | Ksh 897,213 | Ksh 323,317 | Ksh 176,683 |
| 18 | Ksh 917,738 | Ksh 374,587 | Ksh 125,413 |
| 19 | Ksh 930,984 | Ksh 433,137 | Ksh 66,863 |
| 20 | Ksh 935,917 | Ksh 500,000 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.