UBA Kenya Bank loan calculator for Ksh 2,000,000 over 5 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 49,598
60 monthly payments
Estimated total repayment
Ksh 2,975,861
Ksh 2,000,000 principal + interest
Estimated interest
Ksh 975,861
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 56,898
For 60 months · incl. fees
Total repaid
Ksh 3,283,776
Principal Ksh 2,000,000 + Ksh 1,283,776 extras
Effective APR
22.67%
Advertised rate 16.90% · 48.8% interest on principal
Repayment mix over 5 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 317,114 | Ksh 278,058 | Ksh 1,721,942 |
| 2 | Ksh 583,421 | Ksh 606,923 | Ksh 1,393,077 |
| 3 | Ksh 789,635 | Ksh 995,881 | Ksh 1,004,119 |
| 4 | Ksh 924,777 | Ksh 1,455,911 | Ksh 544,089 |
| 5 | Ksh 975,861 | 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.