UBA Kenya Bank loan calculator for Ksh 100,000 over 2 years.
Estimate repayment for a UBA Kenya Bank loan using the current 16.90% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 4,939
24 monthly payments
Estimated total repayment
Ksh 118,546
Ksh 100,000 principal + interest
Estimated interest
Ksh 18,546
At 16.90%
Current UBA Kenya Bank loan interest rate
UBA Kenya Bank is listed at 16.90% 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
+0.91 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 5,304
For 24 months · incl. fees
Total repaid
Ksh 130,853
Principal Ksh 100,000 + Ksh 30,853 extras
Effective APR
29.69%
Advertised rate 16.90% · 18.5% interest on principal
Repayment mix over 2 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 13,459 | Ksh 45,814 | Ksh 54,186 |
| 2 | Ksh 18,546 | 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.