Running low before payday? We've all been there. Compare instant salary bridge loans to get through the month.
Days, not weeks
Until payday
Larger amounts
Best option if available
Government-backed
If you're employed, check with your HR department about salary advance options. Many Kenyan employers offer this benefit, especially for medical emergencies.
End of month loans can become a habit. If you're borrowing every month, it's time to reassess your budget.
Use mobile loans (Fuliza, M-Shwari, KCB M-Pesa) for instant access. If employed, ask your HR about salary advances. Some fintechs like Earnipay and Flex offer earned wage access.
Employer salary advances are typically interest-free. Otherwise, Hustler Fund (8% annual) or M-Shwari (9% for 30 days) are cheapest. Avoid daily-fee products like Fuliza for extended periods.
Create a monthly budget, set aside emergency savings (even KES 500/month helps), avoid unnecessary loans, and track your spending with M-Pesa statements.
Compare options and find the cheapest way to get through the month.