Equity Bank Kenya loan calculator.
Equity Bank Kenya prices loans at a weighted-average of 14.89% per the Central Bank of Kenya — ranked #10 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 23,732/month.
Lending rate
14.89%
#10 of 38 cheapest
Monthly (1M · 5y)
Ksh 23,732
Industry avg Ksh 16,667
Total interest (1M · 5y)
Ksh 423,934
vs Ksh 0 at industry avg
Calculate your Equity Bank Kenya 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
+14.89 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 27,047
For 60 months · incl. fees
Total repaid
Ksh 1,567,192
Principal Ksh 1,000,000 + Ksh 567,192 extras
Effective APR
20.35%
Advertised rate 14.89% · 42.4% 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 139,232 | Ksh 145,555 | Ksh 854,445 |
| 2 | Ksh 255,248 | Ksh 314,325 | Ksh 685,675 |
| 3 | Ksh 344,347 | Ksh 510,013 | Ksh 489,987 |
| 4 | Ksh 402,235 | Ksh 736,912 | Ksh 263,088 |
| 5 | Ksh 423,934 | Ksh 1,000,000 | Ksh 0 |
Popular Equity Bank Kenya loan scenarios
Pre-calculated repayments at Equity Bank Kenya's current lending rate.
All Kenyan lenders
- Citibank N.A. Kenya 10.36%
- Stanbic Bank Kenya 12.84%
- Standard Chartered Bank Kenya 13.35%
- Guardian Bank 13.57%
- Consolidated Bank of Kenya 13.61%
- Ecobank Kenya 13.72%
- Paramount Bank 14.47%
- Habib Bank A.G. Zurich 14.55%
- Gulf African Bank 14.77%
- Equity Bank Kenya 14.89%
- Bank of India 14.94%
- Premier Bank Kenya 15.12%
- Bank of Baroda (Kenya) 15.12%
- Diamond Trust Bank Kenya 15.44%
- ABSA Bank Kenya 15.48%
- Guaranty Trust Bank 15.61%
- Victoria Commercial Bank 15.68%
- NCBA Bank Kenya 15.68%
- KCB Bank Kenya 15.76%
- Prime Bank 15.79%
- Kingdom Bank 15.80%
- National Bank of Kenya 15.87%
- Co-operative Bank of Kenya 16.10%
- M-Oriental Bank 16.17%
- Family Bank 16.40%
- Development Bank of Kenya 16.63%
- DIB Bank Kenya 16.87%
- UBA Kenya Bank 16.90%
- I&M Bank 16.90%
- African Banking Corporation 17.31%
- Sidian Bank 17.68%
- Bank of Africa Kenya 18.07%
- SBM Bank Kenya 18.09%
- HFC Limited 18.99%
- Credit Bank 19.41%
- Middle East Bank 19.87%
- Access Bank Kenya 19.98%
- Commercial International Bank Kenya 20.00%