Check-Off Loan in Kenya

A structured loan repaid automatically through your employer payroll — predictable, disciplined, and stress-free.

About Check-Off Loan in Kenya

A Check-Off Loan is a credit facility where monthly repayments are deducted directly from your salary through your employer payroll system. This ensures consistent repayments, reduces default risk, and makes financial planning straightforward for salaried employees in both public and private sectors.

How It Works

  1. Submit your application with supporting documents
  2. Employer confirms employment and agrees to payroll deductions
  3. Loan is approved and funds disbursed to your account
  4. Monthly repayments are deducted automatically from your salary

Requirements

  • Stable employment — permanent or long-term contract
  • Regular salary income
  • Employer cooperation and confirmation letter
  • National ID, KRA PIN, and recent payslips

Key Features

Automatic payroll deductions
No manual repayment hassle
Higher loan limits
Up to 36 months repayment

Requirements

  • Employed on permanent or contract basis
  • Employer cooperation letter
  • National ID and KRA PIN
  • Last 3 payslips
  • 1/3 net salary rule compliance

Ready to Apply for Check-Off Loan?

Get your Check-Off Loan in just a few simple steps. Our process is quick, secure, and hassle-free. Most applications processed within 24 hours.

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Loan Details

Loan Amount
KES 20,000 - 1,000,000
Repayment Period
Up to 36 months
Security

100% secure and encrypted

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