Real Time RatesRates · Updated just now
Rates · Updated just now
Kenya · Borrowing
Know the cost before you sign
Compare every Kenyan commercial bank using CBK's published lending rates, run the amortisation, and see what a loan really costs over its full term.
01 — Repayment
Price your loan
Loan details
KES5 years
Central Bank of Kenya · JANUARY 2026
15.99%
Fees & duties
Processing, insurance, and 20% excise on interest.
2.50%
CRB check, legal, valuation, stamp duty.
1.00%
Monthly payment
Ksh 27,814
For 60 months · incl. fees
Total repaid
Ksh 1,609,380
Principal Ksh 1,000,000 + Ksh 609,380 extras
Effective APR
21.69%
Advertised rate 15.99% · 45.9% interest on principal
UpfrontKsh 30,000
Excise (20%)Ksh 91,781
InsuranceKsh 28,692
InterestKsh 458,907
Repayment mix over 5 years
Early payments lean on interest; later ones clear principal.
PrincipalInterest
Amortisation (yearly)
End of year · KES| Year | Interest paid | Principal paid | Balance |
|---|---|---|---|
| 0 | Ksh 0 | Ksh 0 | Ksh 1,000,000 |
| 1 | Ksh 149,838 | Ksh 141,944 | Ksh 858,056 |
| 2 | Ksh 275,231 | Ksh 308,332 | Ksh 691,668 |
| 3 | Ksh 371,972 | Ksh 503,372 | Ksh 496,628 |
| 4 | Ksh 435,125 | Ksh 732,001 | Ksh 267,999 |
| 5 | Ksh 458,907 | Ksh 1,000,000 | Ksh 0 |
02 — Market
Every Kenyan bank, side by side
38 Kenyan banks
Weighted-average rates published by CBK · JANUARY 2026. Industry averages: 15.99% lending · 8.94% deposit.
Citibank N.A. Kenya Below avgJANUARY 2026 | 10.36% | 7.29% | 3.07% |
Stanbic Bank Kenya Below avgJANUARY 2026 | 12.84% | 7.56% | 5.28% |
Standard Chartered Bank Kenya Below avgJANUARY 2026 | 13.35% | 3.14% | 10.21% |
Guardian Bank Below avgJANUARY 2026 | 13.57% | 8.17% | 5.40% |
Consolidated Bank of Kenya Below avgJANUARY 2026 | 13.61% | 7.31% | 6.30% |
Ecobank Kenya Below avgJANUARY 2026 | 13.72% | 8.78% | 4.94% |
Paramount Bank Below avgJANUARY 2026 | 14.47% | 10.81% | 3.66% |
Habib Bank A.G. Zurich Below avgJANUARY 2026 | 14.55% | 8.34% | 6.21% |
Gulf African Bank Below avgJANUARY 2026 | 14.77% | 8.54% | 6.23% |
Equity Bank Kenya Below avgJANUARY 2026 | 14.89% | 10.76% | 4.13% |
Bank of India Below avgJANUARY 2026 | 14.94% | 10.20% | 4.74% |
Premier Bank Kenya Below avgJANUARY 2026 | 15.12% | 2.75% | 12.37% |
Bank of Baroda (Kenya) Below avgJANUARY 2026 | 15.12% | 10.19% | 4.93% |
Diamond Trust Bank Kenya Below avgJANUARY 2026 | 15.44% | 8.43% | 7.01% |
ABSA Bank Kenya Below avgJANUARY 2026 | 15.48% | 8.88% | 6.60% |
Guaranty Trust Bank Below avgJANUARY 2026 | 15.61% | 8.01% | 7.60% |
Victoria Commercial Bank Below avgJANUARY 2026 | 15.68% | 9.70% | 5.98% |
NCBA Bank Kenya Below avgJANUARY 2026 | 15.68% | 8.41% | 7.27% |
KCB Bank Kenya Below avgJANUARY 2026 | 15.76% | 7.07% | 8.69% |
Prime Bank Below avgJANUARY 2026 | 15.79% | 10.39% | 5.40% |
Kingdom Bank Below avgJANUARY 2026 | 15.80% | 10.22% | 5.58% |
National Bank of Kenya Below avgJANUARY 2026 | 15.87% | 7.92% | 7.95% |
Co-operative Bank of Kenya JANUARY 2026 | 16.10% | 6.44% | 9.66% |
M-Oriental Bank JANUARY 2026 | 16.17% | 9.76% | 6.41% |
Family Bank JANUARY 2026 | 16.40% | 11.64% | 4.76% |
Development Bank of Kenya JANUARY 2026 | 16.63% | 10.83% | 5.80% |
DIB Bank Kenya JANUARY 2026 | 16.87% | 9.72% | 7.15% |
UBA Kenya Bank JANUARY 2026 | 16.90% | 8.70% | 8.20% |
I&M Bank JANUARY 2026 | 16.90% | 8.38% | 8.52% |
African Banking Corporation JANUARY 2026 | 17.31% | 12.63% | 4.68% |
Sidian Bank JANUARY 2026 | 17.68% | 9.07% | 8.61% |
Bank of Africa Kenya JANUARY 2026 | 18.07% | 9.52% | 8.55% |
SBM Bank Kenya JANUARY 2026 | 18.09% | 10.12% | 7.97% |
HFC Limited JANUARY 2026 | 18.99% | 6.81% | 12.18% |
Credit Bank JANUARY 2026 | 19.41% | 12.68% | 6.73% |
Middle East Bank JANUARY 2026 | 19.87% | 9.66% | 10.21% |
Access Bank Kenya JANUARY 2026 | 19.98% | 10.31% | 9.67% |
Commercial International Bank Kenya JANUARY 2026 | 20.00% | 10.42% | 9.58% |