Personal Loan
Personal Loan Solutions
Designed exclusively for salaried individuals, our personal loans help you acquire assets or meet personal needs with ease.
Loan highlights:
- Loan Amount: Up to KES 1,500,000 (or as per your employer MOU)
- Flexible Terms: Up to 72 months or within your contract period
- No Collateral Required – your salary is all you need
- Fast Processing: Get feedback within 48 hours
- Flexible Repayments: Tailored monthly plans that suit your budget
Eligibility:
- Employer has an MOU with Rafiki Microfinance Bank
- Completed probation period with your employer
- Clear CRB report
- Loan matures at least 2 months before contract ends
- Age below 58 (for government employees) or loan matures by age 58
- Meets the 1/3 payslip rule and repayment ability
Requirements:
- Employer introduction or appointment letter.
- Recent 3 months’ payslips.
- National ID & PIN (original + copy)
- 3 months’ bank statements showing salary remittance.
- Employer approval.
- Completed application form.
This is a short-term facility designed to help salaried customers cover urgent expenses – from school fees and medical bills to home repairs and furnishings.
Why choose Rafiki Salary Advance?
- Loan Amount: Up to KES 1,500,000 (or as per your employer MOU)
- Flexible Terms: Up to 72 months or within your contract period
- No Collateral Required – get funds without security
- Fast Processing: Loan feedback within 48 hours
- Tailored Repayments: Flexible monthly plans that fit your budget.
Requirements
- Appointment letter from your employer.
- Employer’s irrevocable instructions to channel your salary through Rafiki
- Last 3 months’ payslips.
- National ID & PIN certificate (original + copy)
- Bank statements showing the last 3 months’ salary remittance.
- Completed application form.
Empowers users to access salary advances instantly, track transactions, and maintain control anytime, anywhere.
Why Partner with Us?
The app enhances employee financial wellness through:
- Higher Employee Satisfaction: Reduces financial stress.
- Better Retention: Happier employees stay longer with their organization.
- Increased Employee Productivity: Less financial worry, more focus for staff.
Key Features
- Instant Salary Advances: Access funds without waiting for payday.
- Auto Repayment: Hassle-free deductions on payday.
- Easy & Transparent: No hidden fees, no CRB checks.
Smart Financial Tools: Comprehensive platform to pay, borrow, and insure—
Requirements to Get Started
- Signed Memorandum of Understanding (MOU) between employer and Rafiki Microfinance Bank.
- Active employment with a partner organization.
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