Civil Servant Check-off Loan · New
Financing for the people who keep Kenya running.
A payroll-deducted loan for eligible government employees. No logbook, no security — a fixed rate for the whole term, with repayments taken at source so nothing slips.
Repaid from payroll
Your employer deducts the instalment at source and remits it to Aspire — no standing orders, no missed dates.
Fixed for the term
One rate for the whole loan and a single all-inclusive facility fee, all disclosed in your offer before you sign.
No security needed
Unsecured: no vehicle, valuation, tracker or comprehensive insurance.
Decision in 24 hours
Complete applications with employer confirmation are decided within a day.
Who it is for
Eligible public-sector employees
Designed for permanent and pensionable employees of the Government of Kenya and participating public institutions whose payroll supports check-off deductions.
- Confirmed employee on a participating payroll
- Kenyan National ID and KRA PIN
- Sufficient take-home pay after existing deductions (statutory one-third rule respected)
- Employer or payroll-administrator confirmation of the deduction
Loan amount and term are confirmed in your personalised offer, sized to your verified affordability.
Documents to have ready
- National ID (original and copy)
- KRA PIN certificate
- Three most recent payslips
- Employer / payroll confirmation letter
- Bank or M-Pesa statement (6 months)
- Passport photo
Estimate
Indicative check-off repayments
Choose the check-off product below. Final figures, including the total cost of credit, are confirmed in your offer.