Loan Products

Financial Solutions Designed Around You

Salary-based financing of up to 50% of net monthly salary, typically repaid over up to 3 months. Interest is 3.5% monthly, with a 6.5% management fee. Subject to eligibility and assessment.

Transparent pricing

These terms apply across our salary-linked products. Final offers depend on eligibility, affordability assessment, and employer partnership arrangements.

Salary-Based Loan

Flexible financing based on your salary.

Maximum loan: Up to 50% of net monthly salary
Repayment: Up to 3 months
Interest: 3.5% monthly
Management fee: 6.5%

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.

Key benefits

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

Eligibility

Employees of private organisations whose employers have a signed MOU with Mkwanja Kiganjani. Subject to salary verification and affordability assessment.

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Emergency Salary Support

Quick financial support when unexpected expenses arise.

Maximum loan: Up to 50% of net monthly salary
Repayment: Up to 3 months
Interest: 3.5% monthly
Management fee: 6.5%

Use the same employer-linked salary lending model when unexpected expenses arise. Apply digitally, complete eligibility checks, and repay through your agreed salary arrangement.

Key benefits

Built for unexpected financial needs
Subject to salary and affordability checks
Digital processing with clear repayment expectations

Eligibility

Employees of private organisations whose employers have a signed MOU with Mkwanja Kiganjani. Subject to salary verification and affordability assessment.

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Employee Financial Support

Financial solutions supported through participating employers.

Maximum loan: Up to 50% of net monthly salary
Repayment: Up to 3 months
Interest: 3.5% monthly
Management fee: 6.5%

Convenient workplace-linked financing delivered through employer partnerships. Designed to help salaried staff access funds with transparent terms and salary verification.

Key benefits

Delivered through employer MOU partnerships
Transparent interest and fee disclosure
Lower credit risk through salary verification

Eligibility

Employees of private organisations whose employers have a signed MOU with Mkwanja Kiganjani. Subject to salary verification and affordability assessment.

View full terms

View Details Apply Now

Transparent terms Interest, fees, limits, and repayment periods are shown before you apply.

Responsible lending Applications are assessed for eligibility and affordability. Borrow only what you need.

Digital convenience Apply through the Mkwanja Kiganjani App or continue from this website with support.