Bank Loan Rates Today
Compare published lending-rate snapshots across Kenyan commercial banks. Review the source period below, then use the calculator to estimate your monthly repayment.
Calculate a loan repayment
Use the listed source-period rates to calculate an estimated loan repayment. Confirm a product-specific offer with the bank before borrowing.
Lowest lending rate
10.36%
Citibank N.A. Kenya
Industry average
0.00%
Commercial banks
Banks tracked
38
Curated CBK bank-rate reference snapshot
Loan details
KESCurated CBK bank-rate reference snapshot · JANUARY 2026
+10.36 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 17,498
For 36 months · incl. fees
Total repaid
Ksh 626,222
Principal Ksh 500,000 + Ksh 126,222 extras
Effective APR
15.98%
Advertised rate 10.36% · 16.8% interest on principal
Repayment mix over 3 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 500,000 |
| 1 | Ksh 44,819 | Ksh 149,799 | Ksh 350,201 |
| 2 | Ksh 73,361 | Ksh 315,876 | Ksh 184,124 |
| 3 | Ksh 83,856 | Ksh 500,000 | Ksh 0 |
Every Kenyan bank, side by side
Published lending-rate snapshots for commercial banks in Kenya. Confirm current product terms directly with the lender.
| Rank | Bank | Lending | Loan page |
|---|---|---|---|
| 1 | Citibank N.A. KenyaRate period: 2025-05-01 | 10.36% | Open |
| 2 | Stanbic Bank KenyaRate period: 2025-05-01 | 12.84% | Open |
| 3 | Standard Chartered Bank KenyaRate period: 2025-05-01 | 13.35% | Open |
| 4 | Guardian BankRate period: 2025-05-01 | 13.57% | Open |
| 5 | Consolidated Bank of KenyaRate period: 2025-05-01 | 13.61% | Open |
| 6 | Ecobank KenyaRate period: 2025-05-01 | 13.72% | Open |
| 7 | Paramount BankRate period: 2025-05-01 | 14.47% | Open |
| 8 | Habib Bank A.G. ZurichRate period: 2025-05-01 | 14.55% | Open |
| 9 | Gulf African BankRate period: 2025-05-01 | 14.77% | Open |
| 10 | Equity Bank KenyaRate period: 2025-05-01 | 14.89% | Open |
| 11 | Bank of IndiaRate period: 2025-05-01 | 14.94% | Open |
| 12 | Premier Bank KenyaRate period: 2025-05-01 | 15.12% | Open |
| 13 | Bank of Baroda (Kenya)Rate period: 2025-05-01 | 15.12% | Open |
| 14 | Diamond Trust Bank KenyaRate period: 2025-05-01 | 15.44% | Open |
| 15 | ABSA Bank KenyaRate period: 2025-05-01 | 15.48% | Open |
| 16 | Guaranty Trust BankRate period: 2025-05-01 | 15.61% | Open |
| 17 | Victoria Commercial BankRate period: 2025-05-01 | 15.68% | Open |
| 18 | NCBA Bank KenyaRate period: 2025-05-01 | 15.68% | Open |
| 19 | KCB Bank KenyaRate period: 2025-05-01 | 15.76% | Open |
| 20 | Prime BankRate period: 2025-05-01 | 15.79% | Open |
| 21 | Kingdom BankRate period: 2025-05-01 | 15.80% | Open |
| 22 | National Bank of KenyaRate period: 2025-05-01 | 15.87% | Open |
| 23 | Co-operative Bank of KenyaRate period: 2025-05-01 | 16.10% | Open |
| 24 | M-Oriental BankRate period: 2025-05-01 | 16.17% | Open |
| 25 | Family BankRate period: 2025-05-01 | 16.40% | Open |
| 26 | Development Bank of KenyaRate period: 2025-05-01 | 16.63% | Open |
| 27 | DIB Bank KenyaRate period: 2025-05-01 | 16.87% | Open |
| 28 | UBA Kenya BankRate period: 2025-05-01 | 16.90% | Open |
| 29 | I&M BankRate period: 2025-05-01 | 16.90% | Open |
| 30 | African Banking CorporationRate period: 2025-05-01 | 17.31% | Open |
| 31 | Sidian BankRate period: 2025-05-01 | 17.68% | Open |
| 32 | Bank of Africa KenyaRate period: 2025-05-01 | 18.07% | Open |
| 33 | SBM Bank KenyaRate period: 2025-05-01 | 18.09% | Open |
| 34 | HFC LimitedRate period: 2025-05-01 | 18.99% | Open |
| 35 | Credit BankRate period: 2025-05-01 | 19.41% | Open |
| 36 | Middle East BankRate period: 2025-05-01 | 19.87% | Open |
| 37 | Access Bank KenyaRate period: 2025-05-01 | 19.98% | Open |
| 38 | Commercial International Bank KenyaRate period: 2025-05-01 | 20.00% | Open |