HFC Limited loan calculator.
HFC Limited prices loans at a weighted-average of 18.99% per the Central Bank of Kenya — ranked #34 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 25,935/month.
Lending rate
18.99%
#34 of 38 cheapest
Monthly (1M · 5y)
Ksh 25,935
Industry avg Ksh 16,667
Total interest (1M · 5y)
Ksh 556,103
vs Ksh 0 at industry avg
Calculate your HFC Limited 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
+18.99 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 29,933
For 60 months · incl. fees
Total repaid
Ksh 1,726,608
Principal Ksh 1,000,000 + Ksh 726,608 extras
Effective APR
25.34%
Advertised rate 18.99% · 55.6% 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 178,763 | Ksh 132,457 | Ksh 867,543 |
| 2 | Ksh 330,064 | Ksh 292,377 | Ksh 707,623 |
| 3 | Ksh 448,208 | Ksh 485,454 | Ksh 514,546 |
| 4 | Ksh 526,321 | Ksh 718,562 | Ksh 281,438 |
| 5 | Ksh 556,103 | Ksh 1,000,000 | Ksh 0 |
Popular HFC Limited loan scenarios
Pre-calculated repayments at HFC Limited's current lending rate.
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- HFC Limited 18.99%
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