UBA Kenya Bank loan calculator for Ksh 1,000,000 over 20 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 14,592
240 monthly payments
Estimated total repayment
Ksh 3,502,082
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 2,502,082
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%.
Change loan details
Edit the values below; results update instantly.
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 18,242
For 240 months · incl. fees
Total repaid
Ksh 4,180,551
Principal Ksh 1,000,000 + Ksh 3,180,551 extras
Effective APR
21.99%
Advertised rate 16.90% · 250.2% 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 1,000,000 |
| 1 | Ksh 168,504 | Ksh 6,600 | Ksh 993,400 |
| 2 | Ksh 335,803 | Ksh 14,406 | Ksh 985,594 |
| 3 | Ksh 501,675 | Ksh 23,638 | Ksh 976,362 |
| 4 | Ksh 665,860 | Ksh 34,557 | Ksh 965,443 |
| 5 | Ksh 828,050 | Ksh 47,471 | Ksh 952,529 |
| 6 | Ksh 987,880 | Ksh 62,745 | Ksh 937,255 |
| 7 | Ksh 1,144,919 | Ksh 80,810 | Ksh 919,190 |
| 8 | Ksh 1,298,657 | Ksh 102,176 | Ksh 897,824 |
| 9 | Ksh 1,448,492 | Ksh 127,445 | Ksh 872,555 |
| 10 | Ksh 1,593,708 | Ksh 157,333 | Ksh 842,667 |
| 11 | Ksh 1,733,464 | Ksh 192,681 | Ksh 807,319 |
| 12 | Ksh 1,866,761 | Ksh 234,488 | Ksh 765,512 |
| 13 | Ksh 1,992,418 | Ksh 283,935 | Ksh 716,065 |
| 14 | Ksh 2,109,040 | Ksh 342,417 | Ksh 657,583 |
| 15 | Ksh 2,214,976 | Ksh 411,585 | Ksh 588,415 |
| 16 | Ksh 2,308,274 | Ksh 493,392 | Ksh 506,608 |
| 17 | Ksh 2,386,623 | Ksh 590,146 | Ksh 409,854 |
| 18 | Ksh 2,447,293 | Ksh 704,581 | Ksh 295,419 |
| 19 | Ksh 2,487,053 | Ksh 839,925 | Ksh 160,075 |
| 20 | Ksh 2,502,082 | 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.