UBA Kenya Bank loan calculator for Ksh 1,000,000 over 3 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 35,603
36 monthly payments
Estimated total repayment
Ksh 1,281,707
Ksh 1,000,000 principal + interest
Estimated interest
Ksh 281,707
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 39,253
For 36 months · incl. fees
Total repaid
Ksh 1,384,718
Principal Ksh 1,000,000 + Ksh 384,718 extras
Effective APR
23.57%
Advertised rate 16.90% · 28.2% interest on principal
Repayment mix over 3 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 148,028 | Ksh 279,208 | Ksh 720,792 |
| 2 | Ksh 245,038 | Ksh 609,434 | Ksh 390,566 |
| 3 | Ksh 281,707 | 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.
Compare lenders
Weighted-average rates differ by bank. Compare this loan against cheaper banks before applying.