Personal Loans · Salary Advance

Your Salary,
Before Payday.

Access up to 40% of your net salary before payday. Same-day disbursement when all requirements are in place. Repay via salary deduction.

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AmountUp to 40% Net Salary

DisbursementSame Day

RepaymentUp to 3 months

DeductionVia Salary

Who is this for?

Formally employed individuals who need quick access to part of their salary before the end of the month.

Salaried Employees Civil Servants Private Sector Staff Formally Employed

Eligibility Criteria

Confirmed employment with verifiable salary

Salary assignment or employer MOU in place

Consistent monthly income

What you get

What you will need

How to get it

National ID

Recent Pay Slips

3 months Bank Statement

Appointment/Employment Letter

Employment Contract

Employer Letter or MOU

Guarantor(s)

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.