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🇰đŸ‡Ē PROUDLY KENYAN

Salary Advance in Kenya

Get your salary early with low-interest salary advance products.

|Last verified: Jan 14, 2026

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.

Showing 7 of 7 products

⭐ Employees at registered companies

Earnipay Salary Advance

Earnipay

Interest Rate
N/A
per annum
Max Amount
N/A
Approval Time
Instant
Processing Fee
None
  • Access up to 50% of earned wages
  • Instant M-Pesa disbursement
Apply Now

Flash Credit Salary Advance

Flash Credit

Status unverified
Interest Rate
20% - 20%
per annum
Max Amount
KES 150K
Approval Time
Processing Fee
None
  • Up to 30% of salary
  • CBK licensed lender
Apply Now
⭐ Employees needing money before payday

Float Salary Advance

Float Kenya

Interest Rate
2% - 5%
per annum
Max Amount
KES 50K
Approval Time
Same day
Processing Fee
Included in fee
  • Access up to 50% of earned salary
  • Same-day M-Pesa disbursement
Apply Now
⭐ M-Pesa merchants

Kopokopo Grow Advance

Kopokopo

Status unverified
Interest Rate
N/A
per annum
Max Amount
N/A
Approval Time
Instant
Processing Fee
None
  • Based on M-Pesa sales history
  • Instant M-Pesa disbursement
Apply Now
⭐ Self-employed individuals

Pezesha Working Capital

Pezesha

Status unverified
Interest Rate
N/A
per annum
Max Amount
N/A
Approval Time
24 hours
Processing Fee
None
  • Working capital for SMEs
  • Based on M-Pesa transactions
Apply Now
⭐ Tanda employer employees

Tanda Salary Advance

Tanda

Lender site unavailable
Interest Rate
N/A
per annum
Max Amount
N/A
Approval Time
Instant
Processing Fee
None
  • 50% earned wage access
  • Instant M-Pesa payment
Apply Now
⭐ Employees at partner companies

Wagestream Kenya

Wagestream

Status unverified
Interest Rate
N/A
per annum
Max Amount
N/A
Approval Time
Instant
Processing Fee
None
  • UK-founded fintech platform
  • 50% earned wage access
Apply Now

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.”

P
PesaMarket Research Team

Financial Analysis

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