Affordable Credit Check-Off Loans for salaried employees.
- Quick Approvals (6 Hours)
Fast processing and disbursement within 6 hours. - Affordable Interest Rates
Enjoy competitive and low-interest rates for easy repayments. - Flexible Repayment Period
Convenient repayment terms aligned with your salary schedule. - No CRB Checks
Your credit history won’t affect eligibility; approval is based on salary deduction.
Representative Loan Example
All our agreements are ensured against your vehicle and are subject to affordability
| 20% | 12 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 24 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 36 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
| 20% | 48 Months | KSh100,000 | 20% | KSh120,000 | KSh10,000 |
Minimum and Maximum Repayment Period
Loan are typically 12 months in duration, with a maximum 48 month contract. There is no minimum period, as loans can be repaid at any time within the agreed contract, with on early redemption penalties.
Benefits of Check-off Loans
Unlock financial flexibility with Salary Check-Off Loans, designed to meet the unique needs of Kenya's civil servants, including teachers, police officers, and county government employees.
- Flexible Repayment Terms
Enjoy repayment periods of up to 168 months, allowing for manageable monthly installments. - Competitive Interest Rates
Benefit from attractive rates designed to make borrowing affordable and stress-free. - Convenient Repayment Method
Loan repayments are automatically deducted from your salary, simplifying the process and ensuring timely payments. - Swift Access to Funds
Receive up to Ksh 3 million with a streamlined application process, ensuring prompt disbursement. - No Hidden Charges
Experience transparency with no hidden fees, providing peace of mind throughout your loan term.
Eligibility Criteria
- Employment with a government ministry, Teachers Service Commission (TSC), National Police Service, or county government.
- Employer must have a check-off agreement with EMESCCOS.
- Must have a permanent or long-term contract with a recognized government institution.
- Must provide recent payslips and bank statements as proof of consistent salary income.
What Are Salary Check-Off Loans?
Salary check-off loans are affordable, payroll-deducted loans designed specifically for civil servants, TSC officials, and county government employees in Kenya. With EMESCCOS, you can consolidate high-interest debt into a single, low-interest loan repaid directly from your paycheck—making financial management easier and stress-free.
What’s covered under Check-Off Loans?
Inclusions
- Civil Servants & Government Employees
Available for TSC officials, county government employees, police officers, and other civil servants.
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Debt Consolidation
Use the loan to pay off high-interest credit cards, personal loans, or payday loans. -
Emergency & Personal Expenses
Cover medical bills, school fees, home renovations, or unforeseen financial needs. -
Asset Financing
Get a new or used vehicle with structured, salary-deducted repayment.
Exclusions
- Private Sector Employees
Only available to government-employed individuals under an approved check-off agreement.
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Self-Employed Individuals
Must be salaried under a recognized government institution to qualify. -
Loans Without Payroll Deduction
Repayment must be through automatic salary deduction. -
Casual Employees
Must have a permanent or long-term contract with a recognized employer
Requirements
EMESCCOS ensures fast and stress-free financing, allowing you to access funds for personal needs, emergencies, school fees, or investment opportunities.
- Employment Confirmation Letter – Proof of permanent or contract employment.
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Payslips (Last 3 Months) – To confirm salary consistency and repayment ability.
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KRA PIN and ID Copy – Required for identity verification.
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Bank Statements (6 Months) – Proof of salary deposits and financial stability.
- Duly Signed Loan Agreement – Agreement between EMESCCOS, the employer, and the borrower.
