NCBA Now Calculator Kenya – May 2026

Calculate your NCBA Now Mobile Loan: see the 4% processing fee deducted upfront, your net credited amount, and the total repayment using 1.083% monthly interest for a 30-day loan.

⚠️ Note: The 4% processing fee is deducted from what you receive. Interest (1.083%) is charged on the full loan amount and repaid after 30 days.
5,000 10,000 20,000 25,000 50,000 70,000
Maximum loan amount: KES 70,000
We add 30 days to calculate your exact due date.
Please enter a valid loan amount and date.

Loan Results

NCBA Mobile Loan Summary (30 Days)
Total Repayment
KES 0.00
principal + monthly interest
Net Amount Credited
KES 0.00
loan minus 4% processing fee
Processing Fee (4%)
KES 0.00
deducted upfront from disbursement
Monthly Interest (1.083%)
KES 0.00
on full loan amount
Total Charges (Fee + Interest)
KES 0.00
total cost of borrowing
Effective Cost
0.0%
total charges ÷ loan amount
Due Date (30 days)
—
—
Loan Amount
KES 0.00
amount requested

Step-by-step breakdown

Loan amount KES 0.00
Processing fee (4% of loan) KES 0.00
Net credited to your account KES 0.00
Interest (1.083% × loan amount) KES 0.00
= Total repayable in 30 days KES 0.00

💡 Borrower Tips

📅 Repay before the due date to avoid penalties. Access NCBA Now via USSD *488# or the NCBA NOW App to check your balance and repay.
💰 You receive less than the loan amount — budget using the net credited figure, not the loan amount. Repay the full loan plus interest.
⏱️ Early repayment incurs no penalty. Interest is calculated on days active — repaying early may reduce the interest charged.
⚠️ You can only hold one NCBA Now loan at a time. Settle in full before applying for a new loan.
📊 To grow your loan limit: increase account activity, maintain good credit history and pay all credit facilities on time.
NCBA Now loan at a glance
Processing fee: 4% (deducted upfront)  |  Interest: 1.083% / month on full loan amount
Term: 30 days  |  Max loan: KES 70,000  |  No early repayment penalty
Access via: USSD *488# or NCBA NOW App

Early repayment may reduce interest if pro-rated by days — confirm with NCBA. This calculator uses the standard 1-month rate for an estimate.