Salary Advance
Short-termFor a temporary gap before payday or an urgent expense that cannot wait.
- Borrow up to K5,000
- Repay over 1–3 months
- Designed for salaried applicants
Choose your next step
Finance shaped around your intention.
Six considered solutions for everyday needs, important milestones and ambitious businesses—with clear terms from the beginning.
Our portfolio
Find the right starting point.
Limits, rates and repayment periods shown are indicative. Your approved terms depend on assessment, affordability and eligibility.
Personal Loan
FlexibleFor a meaningful purchase, home improvement or personal milestone.
- Borrow up to K50,000
- Repay over 3–12 months
- Indicative rate from 10% p.a.
Business Loan
GrowthWorking capital, equipment or expansion finance for established entrepreneurs.
- Borrow up to K200,000
- Repay over 6–24 months
- Indicative rate from 9% p.a.
Couples Loan
Shared plansJoint finance for partners building a home, wedding or shared venture together.
- Borrow up to K80,000 combined
- Repay over 3–18 months
- Indicative rate from 7.5% p.a.
Education Loan
OpportunityTuition and education support for a future worth investing in.
- Borrow up to K30,000 per semester
- Flexible repayment structure
- Subject to student and sponsor assessment
Emergency Loan
Urgent needsFocused short-term support for genuine unforeseen circumstances.
- Borrow up to K10,000
- Repay over 1–3 months
- Fast, affordability-led assessment
At a glance
Compare indicative terms.
| Solution | Maximum amount | Indicative term | Indicative rate |
|---|---|---|---|
| Salary Advance | K5,000 | 1–3 months | 12% p.a. |
| Personal Loan | K50,000 | 3–12 months | 10% p.a. |
| Business Loan | K200,000 | 6–24 months | 9% p.a. |
| Couples Loan | K80,000 | 3–18 months | 7.5% p.a. |
| Education Loan | K30,000 / semester | By assessment | Fixed offer |
| Emergency Loan | K10,000 | 1–3 months | 11% p.a. |
The figures above are guides, not guaranteed offers. Final pricing, fees and repayment terms will be disclosed in your loan agreement before acceptance.
Prepared applications
What you may need.
Requirements vary by product, but having these essentials ready can help your assessment move smoothly.
Proof of identity
A valid government-issued identity document.
Proof of income
Recent payslips, bank statements or business income records.
Proof of address
A recent utility bill or accepted address verification.
Common questions
Before you apply.
How quickly will I receive a decision?
Timing depends on the product and whether all required information is supplied. We aim to review complete applications promptly and will contact you if anything else is needed.
Does applying guarantee approval?
No. Every application is subject to identity verification, eligibility, affordability and credit assessment. We lend responsibly and may offer a different amount or term.
Will I see the full cost before accepting?
Yes. Your offer and loan agreement will set out the interest, applicable fees, repayment schedule and total amount due before you choose whether to proceed.
Can I repay early?
Please contact our team for the terms applying to your specific agreement and an accurate early settlement figure.