Product Overview
Use the same employer-linked salary lending model when unexpected expenses arise. Apply digitally, complete eligibility checks, and repay through your agreed salary arrangement.
Who it is for: Eligible salaried employees who need responsible support for urgent, unplanned costs.
Loan amount, repayment, and pricing
- Maximum loan
- Up to 50% of net monthly salary
- Repayment
- Up to 3 months
- Interest
- 3.5% monthly
- Management fee
- 6.5%
Terms apply subject to eligibility, affordability assessment, and your employer partnership arrangement. Application does not guarantee approval.
Who can apply
Employees of private organisations whose employers have a signed MOU with Mkwanja Kiganjani. Subject to salary verification and affordability assessment.
Key Benefits
- Built for unexpected financial needs
- Subject to salary and affordability checks
- Digital processing with clear repayment expectations
How repayment works
Repayment is typically arranged through employer salary deduction or another agreed method over up to 3 months. Exact repayment schedules are confirmed during assessment.
What to prepare
Before you apply, gather the information your application may request:
- Personal contact details
- Employment or business information
- Preferred loan amount and purpose
- Employment and salary details for verification
See how the process works →
Important terms
- Approval is subject to eligibility and assessment.
- Available to eligible customers of participating employers.
- Terms apply and may vary based on verification outcomes.
Read our responsible lending approach