Victoria Commercial Bank loan calculator for Ksh 100,000 over 10 years.
Estimate repayment for a Victoria Commercial Bank loan using the current 15.68% lending rate. Edit amount, term, rate and common Kenyan loan fees below.
Estimated monthly repayment
Ksh 1,655
120 monthly payments
Estimated total repayment
Ksh 198,629
Ksh 100,000 principal + interest
Estimated interest
Ksh 98,629
At 15.68%
Current Victoria Commercial Bank loan interest rate
Victoria Commercial Bank is listed at 15.68% 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
-0.31 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 2,000
For 120 months · incl. fees
Total repaid
Ksh 232,145
Principal Ksh 100,000 + Ksh 132,145 extras
Effective APR
22.21%
Advertised rate 15.68% · 98.6% 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 100,000 |
| 1 | Ksh 15,366 | Ksh 4,497 | Ksh 95,503 |
| 2 | Ksh 29,974 | Ksh 9,752 | Ksh 90,248 |
| 3 | Ksh 43,696 | Ksh 15,893 | Ksh 84,107 |
| 4 | Ksh 56,382 | Ksh 23,069 | Ksh 76,931 |
| 5 | Ksh 67,859 | Ksh 31,455 | Ksh 68,545 |
| 6 | Ksh 77,923 | Ksh 41,255 | Ksh 58,745 |
| 7 | Ksh 86,334 | Ksh 52,706 | Ksh 47,294 |
| 8 | Ksh 92,815 | Ksh 66,088 | Ksh 33,912 |
| 9 | Ksh 97,040 | Ksh 81,726 | Ksh 18,274 |
| 10 | Ksh 98,629 | Ksh 100,000 | 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.