Loans articles
Every PesaCalc guide, insight and strategy in the Loans category, practical advice for Kenyans.
Flat Rate vs Reducing Balance: The 13% Loan That Really Costs 23%
Two lenders quote 13%. One charges KES 70,502 interest on 500,000 over 2 years, the other 130,000. How flat-rate pricing works, the conversion table to true APR, and the three questions that protect you.
How to Pay Off Your HELB Loan Faster in Kenya (2026)
HELB charges just 4% a year but punishes late starters with a KES 5,000 monthly penalty. Here is how to clear your student loan faster, dodge the penalties, and grab the 80% waiver while it lasts.
Mobile Loans in Kenya Compared 2026: M-Shwari vs KCB M-Pesa vs Fuliza vs Tala
The same KES 5,000 mobile loan can cost you KES 375 or KES 1,500 depending on the app. We compare M-Shwari, KCB M-Pesa, Fuliza, Tala, Branch and the Hustler Fund, real 2026 fees, terms and the traps to avoid.
SACCO Loan vs Bank Loan in Kenya: Which Is Actually Cheaper? (2026)
SACCO loans charge about 1% a month on reducing balance; banks charge 14-18% a year. We compare the real cost of borrowing KES 1,000,000 in Kenya, fees, speed, eligibility, so you know which to choose.