Personal Loans · Salary Loan

Bigger Needs,
Smarter Repayment.

A structured personal loan for employed individuals. Borrow up to 3× your monthly net salary and repay comfortably over 12 months.

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AmountUp to 3× Net Salary
Repayment12 Months
Monthly Cap≤ 40% of Net Salary
Employment6+ months verifiable
3×
YOUR NET SALARY
Maximum borrowing amount
12 Months
REPAYMENT PERIOD
Monthly salary deduction
6 Months
MIN. EMPLOYMENT
Verifiable salary history

Who is this for?

Formally employed individuals who need higher loan amounts to meet planned goals — school fees, home improvement, medical expenses, or major purchases.

Salaried Employees Professionals Teachers Civil Servants Healthcare Workers
Eligibility Criteria
Confirmed employment with consistent salary
Verifiable salary for at least 6 months
Acceptable credit standing
Monthly deductions must not exceed 40% of net salary
What you get
What you will need
How to get it
  • Borrow up to 3 times your monthly net salary
  • 12-month repayment via monthly salary deduction
  • Monthly deductions capped at 40% of net salary
  • May require collateral depending on amount
National ID
Employment / Appointment Letter
Recent 6 months Pay Slips or Salary Bank Statements
Salary Assignment or Standing Order
  • Visit any Kray branch or apply via the Kray mobile app or USSD *217#.
  • Carry your National ID and all required documents listed above.
  • A Kray loan officer will assess your application and guide you through the process.
  • Once approved, funds are disbursed directly to your Kray account — sometimes same day.

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