SBM Bank Kenya loan calculator.
SBM Bank Kenya prices loans at a weighted-average of 18.09% per the Central Bank of Kenya — ranked #33 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 25,442/month.
Lending rate
18.09%
#33 of 38 cheapest
Monthly (1M · 5y)
Ksh 25,442
Industry avg Ksh 16,667
Total interest (1M · 5y)
Ksh 526,545
vs Ksh 0 at industry avg
Calculate your SBM 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
+18.09 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 29,291
For 60 months · incl. fees
Total repaid
Ksh 1,690,961
Principal Ksh 1,000,000 + Ksh 690,961 extras
Effective APR
24.25%
Advertised rate 18.09% · 52.7% 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 170,049 | Ksh 135,260 | Ksh 864,740 |
| 2 | Ksh 313,494 | Ksh 297,124 | Ksh 702,876 |
| 3 | Ksh 425,105 | Ksh 490,822 | Ksh 509,178 |
| 4 | Ksh 498,619 | Ksh 722,616 | Ksh 277,384 |
| 5 | Ksh 526,545 | Ksh 1,000,000 | Ksh 0 |
Popular SBM Bank Kenya loan scenarios
Pre-calculated repayments at SBM Bank Kenya's current lending rate.
All Kenyan lenders
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- Paramount Bank 14.47%
- Habib Bank A.G. Zurich 14.55%
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- 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%