Flexible credit for salaried, self-employed and repeat borrowers who need practical personal financing without employer checkoff. Decisions in 48 hours, transparent fees, and repayment schedules built around your real income cycle — not someone else’s payroll calendar.
Most personal lending in Kenya assumes one of two things: that your employer is willing to deduct from your salary, or that your financial life is small enough to fit a 30-day digital loan. Non-checkoff loans are designed for everyone who falls between those two — salaried staff at employers without checkoff agreements, self-employed earners with documented M-Pesa or bank income, and repeat borrowers building up a credit history with us.
These loans are unsecured for most amounts and are assessed on documented income, existing obligations and CRB status. We don’t require a guarantor on most non-checkoff facilities, and we don’t lend against verbal income — bank statements, M-Pesa statements and payslips do the work, in that order of preference.
The product set covers planned spending (Personal Loan), unexpected costs (Emergency Loan), short cash-flow gaps (Short-Term Loan), pulling salary forward (Salary Advance) and growing exposure on a clean record (Top-Up Loan). Pick the variant that matches your need — the assessment, documents and disbursement path are all consistent across the family.
Flexible credit for salaried, self-employed and repeat borrowers who need practical personal financing without employer checkoff. Decisions in 48 hours, transparent fees, and repayment schedules built around your real income cycle — not someone else’s payroll calendar.
The strength of this loan family is structure: documented income, clear use of funds, and a repayment schedule sized to actual cash flow — never a hopeful number.
Six things borrowers most often tell us made the difference between a loan that helped and a loan that became a problem.
If your situation looks like one of these, non-checkoff loans are likely the right fit. If it doesn’t, talk to us anyway — we may have a better-suited product or structure.
Each entry below is a focused product within this loan family. Specific structures, deposit ranges and repayment frequencies are noted on each — final terms depend on full assessment.
General-purpose personal financing for planned spending — home repairs, family events, education, travel — with clear monthly repayments and transparent pricing.
Same-day disbursement for unexpected expenses — medical, family or travel emergencies — assessed on confirmed income and existing exposure.
Bridge a short cash-flow gap with a 1-6 month structure that matches your next income event — salary, contract payment or seasonal earnings.
Pull forward a portion of your monthly salary against confirmed payslip evidence. Strictly 1-month tenor — cleared in full from the next salary cycle via salary cheque or M-Pesa repayment.
Top-up an active Salary Advance once part is repaid and your record is clean. Same single-month rule applies — the top-up clears in the next salary cycle.
Non-checkoff loans price on the reducing-balance method. The applicable monthly rate is set by product, loan size and assessed risk — first-time borrowers will see a higher rate than repeat borrowers with a clean track record. Total cost of credit is shown in writing before you accept, and there are no application or arrangement fees collected outside the loan structure.
The full cost of credit — interest, fees, taxes and any insurance premium — is disclosed in writing before you accept any offer. There are no upfront fees to release a loan.
Open CalculatorDocuments complete on Monday usually mean a written decision back to you by mid-week. Documents drip-fed across days mean the file restarts each time, so the team strongly encourages submitting everything at once.
Final requirements depend on borrower profile, requested amount and product structure. The credit team will confirm any additional documents during initial review.
View Full RequirementsShort answers for the most common borrower questions. For anything else, request a callback or message us on WhatsApp.
Browse all FAQsA payslip helps but isn’t the only acceptable income proof — bank statements, M-Pesa statements and business records are also accepted.
Yes. Most non-checkoff loans are unsecured and do not require a guarantor. Larger amounts may need a co-applicant.
By M-Pesa standing order or bank standing order — your choice during acceptance.
Yes. We assess CRB status as part of affordability — a clean record helps approval, but a less-than-perfect record isn’t an automatic decline.
Yes, with no penalty. Early settlement reduces total interest paid.
Start your application or speak to a loan officer for guidance before submitting documents.
