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Payroll Loans in Kenya
Compare 8 payroll check-off loan products in Kenya â SASRA-regulated SACCOs and CBK-licensed banks including ABSA Bank Kenya, Co-operative Bank of Kenya, Diamond Trust Bank and 5 more. Loan sizes KES 10K-10M. As of 2026-05-13.
There are 8 payroll loans available in Kenya with interest rates from 12% to 16% per annum. Amounts range from KES 10,000 to KES 10,000,000. PesaMarket updates this data regularly.
Showing 8 of 8 products
â Government employees
ABSA Check-Off Loan
ABSA Bank Kenya
Status unverified
Interest Rate
13% - 15%
per annum
- Borrow up to 5x your net salary
- Salary check-off arrangement
â SACCO members
Co-op Bank Salary Loan
Co-operative Bank of Kenya
Status unverified
Interest Rate
13% - 14%
per annum
- Borrow up to 4x your net salary
- Check-off arrangement with employer
â East African regional employees
DTB Payroll Loan
Diamond Trust Bank
Status unverified
Interest Rate
14% - 16%
per annum
- Salary backed loans up to KES 5 million
- Salary check-off arrangement
â Government employees
Equity Check-Off Loan
Equity Bank
Status unverified
Interest Rate
13% - 14%
per annum
- Borrow up to 4x your net salary
- Automatic salary deduction
â High-income professionals
I&M Bank Salary Loan
I&M Bank
Status unverified
Interest Rate
14% - 16%
per annum
- Premium salary loans up to KES 8 million
- Competitive rates for high earners
â Government employees
KCB Salary Advance Loan
KCB Bank
Status unverified
Interest Rate
13% - 15%
per annum
- Borrow up to 5x your net salary
- Check-off from salary (automatic deduction)
â High-income professionals
NCBA Payroll Loan
NCBA Bank
Status unverified
Interest Rate
14% - 16%
per annum
- Premium loan amounts up to KES 7 million
- Digital application via NCBA Mobile
â High-income earners
Stanbic Salary Backed Loan
Stanbic Bank Kenya
Status unverified
Interest Rate
12% - 14%
per annum
- One of the lowest rates from 12% p.a.
- High loan limits up to KES 10 million
Expert Advice
âCheck-off loans offer some of the lowest rates in Kenya because your employer guarantees repayment. But read the fine print - some lock you in for the full term even if you change jobs.â