Victoria Commercial Bank loan calculator.
Victoria Commercial Bank prices loans at a weighted-average of 15.68% per the Central Bank of Kenya — ranked #17 of 38 cheapest. A Ksh 1,000,000 loan over 5 years runs at about Ksh 24,148/month.
Lending rate
15.68%
#17 of 38 cheapest
Monthly (1M · 5y)
Ksh 24,148
Industry avg Ksh 16,667
Total interest (1M · 5y)
Ksh 448,902
vs Ksh 0 at industry avg
Calculate your Victoria Commercial 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
+15.68 pp vs industry average
Fees & duties
Processing, insurance, and 20% excise on interest.
CRB check, legal, valuation, stamp duty.
Monthly payment
Ksh 27,595
For 60 months · incl. fees
Total repaid
Ksh 1,597,311
Principal Ksh 1,000,000 + Ksh 597,311 extras
Effective APR
21.31%
Advertised rate 15.68% · 44.9% 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 146,814 | Ksh 142,966 | Ksh 857,034 |
| 2 | Ksh 269,528 | Ksh 310,032 | Ksh 689,968 |
| 3 | Ksh 364,079 | Ksh 505,262 | Ksh 494,738 |
| 4 | Ksh 425,720 | Ksh 733,402 | Ksh 266,599 |
| 5 | Ksh 448,902 | Ksh 1,000,000 | Ksh 0 |
Popular Victoria Commercial Bank loan scenarios
Pre-calculated repayments at Victoria Commercial Bank's current lending rate.
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- NCBA Bank Kenya 15.68%
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- Kingdom Bank 15.80%
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