Salary Advance Loan

Access up to Kes. 300,000 using your payslip payable in three months to sort out your financial needs.

Salary Advance Loan Features
Financing
Up to a third of your net salary
Loan Limit
Up to Ksh. 300,000
Loan Period
Up to 3 Months
Interest Rate
6% per month
Processing
Within 2 Hours
Requirements
1. Copy of ID
(Front & Back Sides)
2. Passport Photo/Selfie
(Recent Colored Photo)
3. KRA PIN
4. Last 3 Months Payslips
4. Mpesa Statement
(12 Months E-statement)
5. Salary Bank Statement
(12 Months E-statement)
6. Post-dated Cheque
Steps to Apply

1. Loan Application

Fill in the online application form.

2. Loan Appraisal

We will determine how much you qualify for.

3. Sign Loan Agreement

Sign the loan agreement outlining the terms and conditions of your loan, and provide cheques drawn from your salary account.

4. Disbursement

We will send the loan funds directly to your Mpesa.

Apply For A Salary Advance Loan

Fill and submit the appropriate form and we will reach out to you asap!

New Clients

Repeat/Returning Clients

Frequently Asked Questions (FAQs)

Any Kenyan individual above 18 years who is employed and earns a regular salary. All personal and payment information provided in the application must belong to you.

You can borrow a minimum of Ksh. 10,000 and a maximum of Ksh. 300,000.

We charge 6% flat rate monthly interest.

Yes we charge a processing fee that is deducted upfront.

Yes, we check your CRB information. This helps us to understand your current financial commitments and how you have serviced other loans in the past. It also means that if you default on your loan with us, we have the duty to negatively list you on CRB which may impact your eligibility for other financial products with other lenders.

No you do not need a guarantor.

Unfortunately we cannot lend to you without the cheques. You can easily apply for cheque book from your bank. Ensure the cheques are from your salary account.

As a responsible lender, we take adequate care in all phases of our credit process to determine that our clients have the capacity to repay without becoming over-indebted. Unfortunately this may also mean that sometimes you will only qualify for a smaller loan than you expected.

Yes we will. We value transparency. As a responsible lender, we will disclose all the information regarding your loan to you and send a loan agreement containing all loan details plus the repayment schedule to your email before activating your loan. We will only proceed once you are ok with all the terms and conditions and with your express consent.

Yes you can apply for a top-up loan after paying at least one installment.

If you have successfully paid off one loan with Pivot Finance, the next time you apply you may enjoy higher loan limits and lower interest rates.

Mpesa Paybill Number: 

Account Number: Your National ID Number