Salary Check Off Loan

Convenient payroll deduction loans for employed individuals

From 1.0% per month (12% APR)

What is a Salary Check Off Loan?

A salary check off loan is a convenient financing solution where loan repayments are deducted directly from your salary through your employer, ensuring hassle-free payments.

Fast Processing

Quick approval and disbursement within 24-48 hours after verification.

Flexible Repayment

Repayments spread over up to 36 months with competitive interest rates.

Higher Loan Limits

Access up to 70% of your net monthly salary, subject to employer approval.

Requirements

  • National ID / Passport
  • KRA PIN Certificate
  • Employment letter / ID
  • 3 months payslips
  • 3 months bank statements
  • Two contact persons
  • Employer check-off authorization form

Loan Features

  • Loan Amount: Up to KES 500,000
  • Repayment Period: 3 - 36 months
  • Interest Rate: 1.0% – 1.25% per month (12% – 15% APR)
  • Calculation Method: Reducing Balance
  • No collateral required
  • Early repayment allowed

Loan Calculator

Compare Flat Rate vs. Reducing Balance calculations

Reducing Balance (Recommended)
Flat Rate
Standard: 1.0% – 1.25%

Monthly Payment: KES 0.00

Total Repayment: KES 0.00

Total Interest Paid: KES 0.00

Effective APR: 0%

Partner Employers

We work with a wide range of employers across Kenya. If your employer is not listed, we can still process your application with employer verification.

Government Ministries
All Government Ministries

Parastatals
Kenya Power, KRA, KPLC, etc.

Private Companies
Nationwide coverage

Ready to Apply?

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