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Payslip Loans

Apply for a Payslip Loan
in Kenya Today

Fast salary-backed loans for civil servants, TSC officials, and county government employees. Repay comfortably through payroll — no manual payments, no stress.

6-Hour Processing Up to KES 3,000,000 Up to 120 Months Salary-Deducted — Automatic
WhatsApp Us +254 715 133 542
Civil Servant & Check-Off Loans

Up to KES 3,000,000 — repaid through your salary

Team responds within 15 minutes · Mon–Sat, 8am–6pm
KES 3MMax Loan
6 hrsProcessing
120Max Months
0Manual Payments
Civil servants, TSC officials, and county government employees can access up to KES 3,000,000 repaid through automatic salary deductions over up to 120 months. No manual payments. No bank visits. Maisha ni Maendeleo!
Why Choose Our Payslip Loans
  • Processing in 6 hours
  • Repay over up to 120 months
  • Real-time account access
  • Under 15-minute response time
  • Salary-deducted — no manual payments
  • Consolidate high-interest debts
Documents You Need
  • Copy of National ID
  • 2 recent pay slips
  • Recent passport photo
  • Payroll number
  • Next of kin details
Who Qualifies
  • Civil servants (national government)
  • TSC teachers & officials
  • County government employees
  • Parastatals & state corporations
  • Must be on confirmed payroll
What Are Salary Check-Off Loans?

Salary check-off loans are payroll-deducted loans designed for civil servants and public sector employees in Kenya. Instead of manually making monthly repayments, the loan amount is deducted directly from your salary before it reaches your account — making the process automatic, stress-free, and impossible to miss. You can also use a payslip loan to consolidate existing high-interest debts into a single, more affordable monthly deduction.

1
Submit application

Fill the form or WhatsApp us. Takes under 3 minutes.

2
Callback from our team

We call you back within 15 minutes to guide next steps.

3
Submit & verify documents

Send payslips and ID via WhatsApp or drop them off.

4
Loan disbursed

Funds arrive to your M-Pesa or bank within 6 hours of approval.

Frequently Asked Questions

No collateral is required. Your confirmed government salary is the security for the loan. As long as you are on an active payroll, you qualify to apply.
Our team processes payslip loan applications within 6 hours of receiving verified documents. Our response time for initial queries is under 15 minutes during business hours (Mon–Sat, 8am–6pm).
Yes, in many cases. We assess your payslip to determine your net remaining salary after existing deductions. If there is sufficient headroom, you may still qualify. You can also use our loan to consolidate and clear existing obligations at better rates.
Funds are disbursed directly to your M-Pesa or bank account within 6 hours of approval. You choose which you prefer when filling the application.
We work with civil servants across all 47 counties, TSC officials, national government ministries, parastatals, and state corporations. If you are on a confirmed payroll, contact us and we will confirm your eligibility.
Ready to apply for a payslip loan? Up to KES 3M · 6-hour processing · Repay via salary deduction
Logbook Loans

Fast cash against your vehicle logbook

Use your car as collateral and get up to KES 5,000,000 in as little as 3 hours. Keep driving while you repay. No hidden charges. No processing fees.
Why Choose Us
  • 3-hour processing
  • Up to KES 5M
  • Keep driving your car
  • Up to 24 months repayment
  • No processing fees
Documents You Need
  • Original logbook
  • National ID
  • Passport photo
  • 3 months M-Pesa statements
  • KRA PIN certificate
Switch & Save

Already have a logbook loan elsewhere? We buy off your existing loan, give you more money, and lower your monthly payments. No fees. No processing charges. Up to KES 5M with 24-month flexible repayment.

1
Bring your logbook

Original logbook and ID are all you need to start.

2
Quick assessment

We assess your vehicle and confirm the loan amount within the hour.

3
Get your money

Funds disbursed to M-Pesa or bank within 3 hours.

4
Keep driving

Your car stays with you throughout the entire repayment period.

Ready to apply? Get cash in 3 hours. Keep driving.
Title Deed Loans

Unlock value from your property

Use your land or property title deed as security and access affordable financing for business growth, emergency needs, or asset acquisition.
Benefits
  • Competitive interest rates
  • Flexible repayment terms
  • Large loan amounts available
  • Fast processing
Individual Requirements
  • Original title deed
  • National ID
  • KRA PIN
  • Recent passport photo
  • 3 months bank statements
Corporate Requirements
  • Title deed
  • CR-12 document
  • Board resolution
  • Certificate of incorporation
  • KRA PIN (company)
Ready to apply? Unlock value from your property today.
Car Financing / Asset Financing

Own your vehicle through structured payments

Finance brand-new or used cars — locally available or imported — covering up to 90% of the vehicle's value. No hidden charges. Free early repayment.
Key Features
  • Covers up to 90% of vehicle value
  • New and used vehicles eligible
  • Local and imported cars
  • Repayment up to 36 months
  • Salary-deducted installments available
Our Rates
  • 24% p.a (2% per month) — standard loan
  • 0% interest — hire purchase (35% deposit)
  • 10% deposit for Uber/ride-hailing (under 1000cc)
  • No hidden charges
  • Free early repayment
1
Select your vehicle

Any car from our listings, a yard, or the open market.

2
Fill application

Choose amount, repayment period, and enter your details.

3
Get an offer

Our associate contacts you to sign the agreement.

4
Enjoy your ride

Drive while paying through structured monthly installments.

Ready to apply? Own your car through structured payments.
Motor Import Financing

Import your dream car with 40% deposit

Save up to 20% compared to local market rates. Pay 40% upfront, wait 60 days, and take doorstep delivery. Balance payable on arrival or converted to a loan of up to 36 months.
Benefits
  • Up to 20% cost savings vs local market
  • Only 40% deposit required
  • 60-day importation window
  • Doorstep delivery
  • Balance: pay on arrival or convert to loan
Individual Requirements
  • National ID
  • Passport photo
  • 12 months M-Pesa statements
  • Minimum 40% deposit
Corporate Requirements
  • All individual documents
  • Cashflow documents
  • CR-12
  • Board resolution
  • Authority to sign cheques
1
Select your car

Tell us the make, model, and year you want imported.

2
Pay 40% deposit

Secure your order with a 40% upfront commitment.

3
Wait 60 days

We handle all import logistics and clearance.

4
Doorstep delivery

Pay balance on arrival or convert to a loan.

Ready to apply? 40% deposit. Doorstep delivery in 60 days.
Insurance Premium Financing

Get covered today — pay over time

Secure comprehensive or third-party cover for your vehicle with only 20% upfront. Repay the balance in affordable monthly installments over up to 10 months. 1-hour sticker processing.
Why Choose Us
  • Only 20% deposit required
  • 1-hour sticker processing
  • Repay over up to 10 months
  • Comprehensive & third-party cover
  • All vehicle categories accepted
Individual Requirements
  • Copy of logbook
  • National ID
  • KRA PIN certificate
  • Insurance premium quote
Corporate Requirements
  • Copy of logbook
  • Certificate of Registration
  • KRA PIN (company)
  • Insurance premium quote
Ready to apply? 1-hour sticker processing. 20% upfront only.
Premium Loan Buy-Off & Consolidation

Reclaim Your Financial Peace of Mind

There is no need to endure high-interest rates or restrictive terms when superior options are within reach. Streamline your credit portfolio by consolidating existing liabilities into a single, manageable facility designed to work for your financial goals — not against them.
Logbook Loan Buy-Offs

Transition existing logbook facilities to a more favorable structure. Refinancing your current logbook loan provides access to significantly reduced interest rates, unlocks trapped equity for immediate top-up funds, or extends your repayment period to improve monthly cash flow.

Car Finance Refinancing

Optimize your existing asset finance. If you are tied to a high-rate vehicle financing plan, our buy-off product cleanly restructures your debt — allowing you to retain your vehicle while benefiting from a lighter monthly footprint and unlocking capital for deployment elsewhere.

Payslip Loan Consolidation

Managing multiple salary deductions fragments your income and creates unnecessary stress. Our payslip buy-off merges existing salary-backed loans into one unified facility — a cleaner payslip, unlocked additional funding limits, and a single transparent monthly repayment at a competitive rate.

The Consolidation Advantage
  • Optimized Interest Rates — Reduce the overall cost of your credit by transitioning away from high-interest facilities
  • Immediate Top-Up Capital — Access additional liquidity based on your newly structured credit profile or updated asset valuation
  • Extended Repayment Tenures — Ease your monthly burden by spreading the facility over a longer, more comfortable timeline
  • Unified Portfolio — Transform multiple chaotic repayment schedules into one predictable commitment, restoring complete financial oversight
1
Share your current loans

Tell us what you currently owe — lenders, balances, and monthly deductions.

2
We assess & structure

Our team analyses your profile and structures a consolidation offer within hours.

3
Buy-off executed

We settle your existing lenders directly on your behalf — clean and complete.

4
One payment, more peace

You repay a single, lower monthly commitment at a competitive rate going forward.

Ready to consolidate? One call. One facility. Financial clarity restored.
Get Approved Today Fast loans · No hidden fees
Apply Now