UBA Kenya Bank loan calculator for Ksh 5,000,000 over 15 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 76,596
180 monthly payments
Estimated total repayment
Ksh 13,787,303
Ksh 5,000,000 principal + interest
Estimated interest
Ksh 8,787,303
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
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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 94,846
For 180 months · incl. fees
Total repaid
Ksh 16,194,723
Principal Ksh 5,000,000 + Ksh 11,194,723 extras
Effective APR
21.95%
Advertised rate 16.90% · 175.7% interest on principal
Repayment mix over 15 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 5,000,000 |
| 1 | Ksh 838,978 | Ksh 80,176 | Ksh 4,919,824 |
| 2 | Ksh 1,663,306 | Ksh 175,002 | Ksh 4,824,998 |
| 3 | Ksh 2,470,306 | Ksh 287,154 | Ksh 4,712,846 |
| 4 | Ksh 3,256,814 | Ksh 419,801 | Ksh 4,580,200 |
| 5 | Ksh 4,019,084 | Ksh 576,684 | Ksh 4,423,316 |
| 6 | Ksh 4,752,687 | Ksh 762,235 | Ksh 4,237,765 |
| 7 | Ksh 5,452,385 | Ksh 981,690 | Ksh 4,018,310 |
| 8 | Ksh 6,111,984 | Ksh 1,241,244 | Ksh 3,758,756 |
| 9 | Ksh 6,724,156 | Ksh 1,548,226 | Ksh 3,451,774 |
| 10 | Ksh 7,280,234 | Ksh 1,911,302 | Ksh 3,088,698 |
| 11 | Ksh 7,769,969 | Ksh 2,340,720 | Ksh 2,659,280 |
| 12 | Ksh 8,181,239 | Ksh 2,848,603 | Ksh 2,151,397 |
| 13 | Ksh 8,499,706 | Ksh 3,449,290 | Ksh 1,550,710 |
| 14 | Ksh 8,708,413 | Ksh 4,159,737 | Ksh 840,263 |
| 15 | Ksh 8,787,303 | Ksh 5,000,000 | 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.