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Low-interest payroll loans for Kenya's workforce.

Borrow up to KES 500,000 via hassle-free employer check-off. Instant M-Pesa disbursement, single-digit monthly rates, and zero physical collateral.

Kenyan professional accessing ethical credit with Betasoft Credit

CBK Licensed DCP

Regulated Digital Credit Provider

12+ Years Operating

Founded in Nairobi in 2012

45,000+ Kenyans Served

KES 4.2B+ ethically disbursed

180+ Partner Employers

Civil service, parastatals & corporates

Something for Every Stage of Your Life & Career

Transparent payroll-deducted loans with zero hidden fees.

Employee Salary Advance

Short-term credit for qualifying employees of partner organisations, repaid through employer salary check-off.

Up to Ksh 100,000
From 3.5% p.m.
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Salary Secured Smartphone Financing

Own an approved smartphone—starting with selected Vivo models—repaid through salary check-off over 3 to 6 months

Up to Ksh 150,000
From 3% p.m.
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Motor Vehicle Logbook Loans

Fast emergency cash secured by your vehicle logbook—you keep driving your vehicle while you repay

Up to Ksh 1,000,000
From 3% p.m.
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Small Business Loan

Working capital, stock and equipment financing for registered micro and small enterprises

Up to Ksh 1,000,000
From 3% p.m.
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Priority Pass — Corporate Employees & Civil Servants

Priority-processed check-off credit for permanent corporate employees and civil servants, repaid through payroll deduction

Up to Ksh 500,000
From 2.5% p.m.
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Chattel-Secured Loan

Unlock credit against movable assets you own—machinery, equipment or household goods—while you keep using them

Up to Ksh 500,000
From 3.5% p.m.
Apply
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How Check-Off Borrowing Works

Borrowing with Betasoft is straightforward. No physical guarantors or branch queues required.

01No physical paperwork

Apply Online in 5 Minutes

Select your loan product, choose your preferred amount and tenure, and upload your National ID and latest 3 months payslips from your phone or laptop.

02Direct HR / Payroll Link

Instant Check-Off Verification

Our digital bridge verifies your active employment and confirms that your monthly installment satisfies Kenya's statutory 1/3 take-home salary rule.

03Zero late penalty risk

Disbursement & Easy Repayment

Funds are disbursed instantly to your Safaricom M-Pesa line or bank account. Monthly repayments are deducted seamlessly by your payroll office.

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KES 8.2M+Ethically DisbursedAcross Kenya's public and private workforce since 2012
5,000+Employees EmpoweredTeachers, medical personnel, engineers, and civil servants
80+Partner EmployersMinistries, parastatals, counties, and leading corporations
< 1.2%Non-Performing RateReflecting sustainable, responsible payroll check-off credit

Frequently Asked Questions

Clear, honest answers about our payroll check-off loans, interest calculations, and employer partnerships.

Explore All 20+ Frequently Asked Questions
Ready to Access Fair Credit?

Apply online in 5 minutes. Repay through your payroll.

No shylock interest rates, no debt shaming, and no upfront fees. Experience Kenya's most respectful check-off lending institution.

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