Salary Advance

Get Cash When You Need It Most

Life happens, we get it.

Fast salary advance – get your cash instantly!

This is a quick and convenient short-term loan designed for customers whose salaries are deposited into their SBM Bank accounts.

Learn more and apply now

Salary Advance

Get Cash When You Need It Most

Life happens, we get it.

Fast salary advance – get your cash instantly!

This is a quick and convenient short-term loan designed for customers whose salaries are deposited into their SBM Bank accounts.

Learn more and apply now

Why choose the Salary Advance

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Convenient Application Process

Customers can apply for the loan through SBM Bank's channels, ensuring a seamless experience

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Quick Access to Funds

There's a swift turnaround time between the loan request and access to funds, ensuring timely financial support.

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Transparent Fees

A one-time facility fee of 10% of the loan amount applies, along with a 20% excise duty on the facility fee. The total fees are clearly displayed on the Mfukoni interface during the application process. 

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Flexible Loan Amounts

Borrow up to 50% of your monthly net salary, with a maximum limit of KES 100,000. The minimum loan amount is based on your eligibility.

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Eligibility Criteria

The loan is available to SBM Bank customers whose salaries are deposited into their SBM Bank accounts.

Eligibility / Documents Required


You must

  • Receive your salary consistently in your SBM Bank account for at least six months.
  • Have an active and operational SBM salary account for over six months.
  • Receive a regular salary income of at least KES 15,000 per month.
  • Have no non-performing loans or overdue credit card facilities with SBM Bank.
  • Ensure your salary account is not already in a negative balance.
  • Use your salary as the security for the loan.

Rates & Fees

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Salary Advance