Loan Product

Salary-Based Loan

Flexible financing based on your salary.

Access funding linked to your net monthly salary for planned financial needs. Apply digitally through the Mkwanja Kiganjani App, with clear pricing and repayment arranged through your employer partnership.

Product Overview

Access funding linked to your net monthly salary for planned financial needs. Apply digitally through the Mkwanja Kiganjani App, with clear pricing and repayment arranged through your employer partnership.

Who it is for: Salaried employees planning personal or household expenses through a participating employer.

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

  • Digital application, approval, and disbursement
  • Transparent monthly interest and management fee
  • Salary-linked borrowing within clear limits

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

Salary-Based Loan Flexible financing based on your salary.
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