Check-Off Loans for Employees in Kenya
Find the best salary deduction loans based on your employer. Government and corporate employees enjoy lower rates and higher limits.
Select Your Employer
Kenya Power (KPLC)
10,000+ Employees
Safaricom
6,000+ Employees
Teachers (TSC)
350,000+ Employees
KDF (Military)
30,000+ Employees
Police (NPS)
100,000+ Employees
County Governments
200,000+ Employees
National Government
100,000+ Employees
Public Universities
50,000+ Employees
MOH & Hospitals
80,000+ Employees
Parastatals & SAGAs
50,000+ Employees
Why Check-Off Loans?
Lower Interest Rates
Rates from 12% p.a. compared to 15-20% for regular personal loans due to reduced default risk.
Higher Loan Amounts
Borrow up to 5-6x your monthly salary, compared to 3x for standard personal loans.
Fast Approval
Most applications approved within 24-48 hours with minimal documentation.
No Collateral
Your salary deduction serves as security. No need for property or guarantors.
How Check-Off Loans Work
1. Employer Agreement
Your employer has a check-off agreement with participating banks.
2. Apply with Bank
Submit your application with payslips and employment confirmation.
3. HR Verification
Bank verifies your employment and salary with HR department.
4. Automatic Deduction
Loan repayments are deducted directly from your salary each month.
Employer Not Listed?
If your employer has a check-off arrangement with banks, you may still qualify. Contact your HR department or visit any bank branch to inquire.
Calculate Your Loan Eligibility
Use our salary loan calculator to estimate how much you can borrow based on your income.