Salary Advance in Kenya
Compare 7 salary advance products available to Kenyan employees — Earnipay, Flash Credit, Float Kenya and 4 more. Note: salary-advance products in Kenya are often employer-administered and outside CBK regulation — verify each provider's terms independently. As of 2026-06-08.
There are 7 salary advance available in Kenya with interest rates from 2% to 20% per annum. Amounts range from KES 1,000 to KES 150,000. PesaMarket updates this data regularly.
Provider list verified against the CBK Directory of Licensed Digital Credit Providers as of 14/01/2026.
Showing 7 of 7 products
Earnipay Salary Advance
Earnipay
- Access up to 50% of earned wages
- Instant M-Pesa disbursement
Flash Credit Salary Advance
Flash Credit
- Up to 30% of salary
- CBK licensed lender
Float Salary Advance
Float Kenya
- Access up to 50% of earned salary
- Same-day M-Pesa disbursement
Kopokopo Grow Advance
Kopokopo
- Based on M-Pesa sales history
- Instant M-Pesa disbursement
Pezesha Working Capital
Pezesha
- Working capital for SMEs
- Based on M-Pesa transactions
Tanda Salary Advance
Tanda
- 50% earned wage access
- Instant M-Pesa payment
Wagestream Kenya
Wagestream
- UK-founded fintech platform
- 50% earned wage access
Expert Advice
“A salary advance should cost you less than 10% of the borrowed amount. If your provider charges more, you are overpaying compared to market alternatives.”