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Check-Off Loans

Check-off Loan

Check-Off Loans

Employer-deducted salary loans with competitive rates for payroll employees.

Overview

Check-off loans are disbursed against your salary and repaid via automatic payroll deductions by your employer. No logbook, no security needed — just a stable pay-slip.Available to employees of our partner employers (government agencies, SACCOs, and corporates). We handle the employer paperwork so you get your money without the hassle.

Key Benefits

01 No collateral required

<div>Your salary is your security — no logbook or assets needed.</div>

02 Payroll-direct repayment

<div>Deducted automatically from your pay — no missed instalments.</div>

03 Longer tenures

<div>Repay over 3 to 48 months depending on your salary.</div>

04 Lower rates

<div>Salaried employees qualify for our most competitive rates.</div>

Requirements to Apply

  • Original letter of employment or latest payslip (3 months)
  • National ID and KRA PIN certificate
  • Employer must be on our approved check-off list
  • Confirmed / permanent employment status

Frequently Asked Questions

  • 1. How long does approval take?
    Most applications are reviewed within 24 hours. Approved loans are typically disbursed the same day once all documents are verified.
  • 2. What documents do I need?
    You'll need your National ID, KRA PIN, and supporting documents specific to this loan product (e.g. logbook, employer details, or recent pay-slips). See the Requirements section above.
  • 3. How is the interest rate calculated?
    From 1.5% per month (reducing balance)
  • 4. Can I repay early?
    Yes. You may clear your loan before the agreed term. Early-repayment discounts may apply — talk to your loan officer for details.
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