UBA Kenya Bank loan calculator for Ksh 1,000,000 over 15 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 15,319
180 monthly payments
Estimated total repayment
Ksh 2,757,461
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 1,757,461
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 18,969
For 180 months · incl. fees
Total repaid
Ksh 3,242,945
Principal Ksh 1,000,000 + Ksh 2,242,945 extras
Effective APR
22.06%
Advertised rate 16.90% · 175.7% interest on principal
Repayment mix over 15 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 167,796 | Ksh 16,035 | Ksh 983,965 |
| 2 | Ksh 332,661 | Ksh 35,000 | Ksh 965,000 |
| 3 | Ksh 494,061 | Ksh 57,431 | Ksh 942,569 |
| 4 | Ksh 651,363 | Ksh 83,960 | Ksh 916,040 |
| 5 | Ksh 803,817 | Ksh 115,337 | Ksh 884,663 |
| 6 | Ksh 950,537 | Ksh 152,447 | Ksh 847,553 |
| 7 | Ksh 1,090,477 | Ksh 196,338 | Ksh 803,662 |
| 8 | Ksh 1,222,397 | Ksh 248,249 | Ksh 751,751 |
| 9 | Ksh 1,344,831 | Ksh 309,645 | Ksh 690,355 |
| 10 | Ksh 1,456,047 | Ksh 382,260 | Ksh 617,740 |
| 11 | Ksh 1,553,994 | Ksh 468,144 | Ksh 531,856 |
| 12 | Ksh 1,636,248 | Ksh 569,721 | Ksh 430,279 |
| 13 | Ksh 1,699,941 | Ksh 689,858 | Ksh 310,142 |
| 14 | Ksh 1,741,683 | Ksh 831,947 | Ksh 168,053 |
| 15 | Ksh 1,757,461 | 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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