UBA Kenya Bank loan calculator for Ksh 2,000,000 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 29,184
240 monthly payments
Estimated total repayment
Ksh 7,004,165
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 5,004,164
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 36,484
For 240 months · incl. fees
Total repaid
Ksh 8,356,101
Principal Ksh 2,000,000 + Ksh 6,356,101 extras
Effective APR
21.93%
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 2,000,000 |
| 1 | Ksh 337,009 | Ksh 13,200 | Ksh 1,986,800 |
| 2 | Ksh 671,605 | Ksh 28,811 | Ksh 1,971,189 |
| 3 | Ksh 1,003,349 | Ksh 47,275 | Ksh 1,952,725 |
| 4 | Ksh 1,331,719 | Ksh 69,113 | Ksh 1,930,887 |
| 5 | Ksh 1,656,099 | Ksh 94,942 | Ksh 1,905,058 |
| 6 | Ksh 1,975,759 | Ksh 125,490 | Ksh 1,874,510 |
| 7 | Ksh 2,289,838 | Ksh 161,619 | Ksh 1,838,381 |
| 8 | Ksh 2,597,315 | Ksh 204,351 | Ksh 1,795,649 |
| 9 | Ksh 2,896,983 | Ksh 254,891 | Ksh 1,745,109 |
| 10 | Ksh 3,187,417 | Ksh 314,665 | Ksh 1,685,335 |
| 11 | Ksh 3,466,928 | Ksh 385,362 | Ksh 1,614,638 |
| 12 | Ksh 3,733,521 | Ksh 468,977 | Ksh 1,531,023 |
| 13 | Ksh 3,984,836 | Ksh 567,870 | Ksh 1,432,130 |
| 14 | Ksh 4,218,081 | Ksh 684,834 | Ksh 1,315,166 |
| 15 | Ksh 4,429,953 | Ksh 823,170 | Ksh 1,176,830 |
| 16 | Ksh 4,616,548 | Ksh 986,783 | Ksh 1,013,217 |
| 17 | Ksh 4,773,246 | Ksh 1,180,293 | Ksh 819,707 |
| 18 | Ksh 4,894,586 | Ksh 1,409,161 | Ksh 590,839 |
| 19 | Ksh 4,974,106 | Ksh 1,679,850 | Ksh 320,150 |
| 20 | Ksh 5,004,164 | Ksh 2,000,000 | 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.