All tools are free — no sign-up, no paywall. Know exactly what a loan costs before you sign. New: compare two loans side by side and see which one costs less over the full term. Check your affordability before applying — lenders use the 40% debt-to-income rule to approve or reject you. Understanding flat rate vs reducing balance interest can save you thousands. Read our guide in the Learn section. CRB listings can block your loan applications for up to 5 years. Learn how the CRB works and how to protect your credit record. All tools are free — no sign-up, no paywall. Know exactly what a loan costs before you sign. New: compare two loans side by side and see which one costs less over the full term. Check your affordability before applying — lenders use the 40% debt-to-income rule to approve or reject you. Understanding flat rate vs reducing balance interest can save you thousands. Read our guide in the Learn section. CRB listings can block your loan applications for up to 5 years. Learn how the CRB works and how to protect your credit record.

Loan Comparison Tool

Compare up to 3 loans side by side. See which costs least.

Comparison Settings

Loan Amount (KES)

Period (months)

Loans to compare

A Lender / name (optional)

Rate %

Interest type

B Lender / name (optional)

Rate %

Interest type

C Lender / name (optional)

Rate %

Interest type

Fill in at least 2 loans with a rate to compare. Rates are annual percentage rates (p.a.).

Enter rates for at least 2 loans

Results appear here as you type. No button needed.

Flat Rate vs Reducing Balance: A flat rate charges interest on the original amount every month. A reducing balance loan charges interest only on what you still owe, so the cost falls each month as you repay. A 10% flat rate costs roughly the same as 18 to 20% reducing balance. Always confirm the interest type with your lender before signing.