UBA Kenya Bank loan calculator for Ksh 500,000 over 10 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 8,658
120 monthly payments
Estimated total repayment
Ksh 1,038,988
Ksh 500,000 principal + interest
Estimated interest
Ksh 538,987
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 10,483
For 120 months · incl. fees
Total repaid
Ksh 1,196,177
Principal Ksh 500,000 + Ksh 696,177 extras
Effective APR
22.39%
Advertised rate 16.90% · 107.8% interest on principal
Repayment mix over 10 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 500,000 |
| 1 | Ksh 82,925 | Ksh 20,974 | Ksh 479,026 |
| 2 | Ksh 162,017 | Ksh 45,781 | Ksh 454,219 |
| 3 | Ksh 236,576 | Ksh 75,120 | Ksh 424,880 |
| 4 | Ksh 305,774 | Ksh 109,821 | Ksh 390,179 |
| 5 | Ksh 368,632 | Ksh 150,862 | Ksh 349,138 |
| 6 | Ksh 423,990 | Ksh 199,402 | Ksh 300,598 |
| 7 | Ksh 470,479 | Ksh 256,812 | Ksh 243,188 |
| 8 | Ksh 506,478 | Ksh 324,712 | Ksh 175,288 |
| 9 | Ksh 530,069 | Ksh 405,019 | Ksh 94,981 |
| 10 | Ksh 538,987 | Ksh 500,000 | 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.