Credit Bank loan calculator.
Credit Bank prices loans at a weighted-average of 19.41% per the Central Bank of Kenya — ranked #35 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 26,167/month.
Lending rate
19.41%
#35 of 38 cheapest
Monthly (1M · 5y)
Ksh 26,167
Industry avg Ksh 16,667
Total interest (1M · 5y)
Ksh 570,000
vs Ksh 0 at industry avg
Calculate your Credit Bank loan
Enter any loan amount and term to see your monthly repayment, total cost, and full amortisation schedule.
Loan details
KESCurated CBK bank-rate reference snapshot · JANUARY 2026
+19.41 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 30,235
For 60 months · incl. fees
Total repaid
Ksh 1,743,367
Principal Ksh 1,000,000 + Ksh 743,367 extras
Effective APR
25.86%
Advertised rate 19.41% · 57.0% 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 1,000,000 |
| 1 | Ksh 182,837 | Ksh 131,163 | Ksh 868,837 |
| 2 | Ksh 337,823 | Ksh 290,177 | Ksh 709,823 |
| 3 | Ksh 459,046 | Ksh 482,954 | Ksh 517,046 |
| 4 | Ksh 539,335 | Ksh 716,665 | Ksh 283,335 |
| 5 | Ksh 570,000 | Ksh 1,000,000 | Ksh 0 |
Popular Credit Bank loan scenarios
Pre-calculated repayments at Credit Bank's current lending rate.
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