Get Started with Check-Off Loans in 3 Simple Steps
Your employer signs a simple Memorandum of Understanding (MOU) with Asap Credit and shares basic employee details. This unlocks the facility for your team in minutes, with no upfront costs or complex approvals.
Receive a bulk SMS with instructions, then dial *711*7# or use the SmartLend app to register instantly. Select your advance (up to 50% of net pay, KES 2,000–100,000) and get HR approval—no documents or security needed.
Funds hit your M-Pesa in minutes upon approval, with 1-3 month terms at 10% p.m. interest. Repayments deduct automatically from your salary, ensuring stress-free management and no hidden fees.
FAST & EASY PROCESS
Instant
RATE US LOW AS
from 3.34%
LONG LOAN TERM
up to 12 Months
Estimate Your Loan in Seconds
Discover how affordable your check-off or salary advance loan can be! Use our quick calculator to estimate monthly repayments for loans from KES 500 to 1,000,000, with terms from 1 to 48 months and rates starting at 3.34%. Get a clear breakdown instantly—no paperwork, no delays, just your path to financial freedom.
Making dreams a reality!
If you’re searching for small business loans in Kenya without collateral, ASAP Credit is among the few institutions offering flexible options tailored to entrepreneurs who may not have formal assets but have big ideas.
Making dreams a reality!
Yes. While most banks still require collateral such as logbooks or title deeds, non-traditional lenders like ASAP Credit are reshaping the landscape by offering unsecured loans with minimal paperwork and faster approvals.