Loan Repayment Calculator
Enter Your Details
Use your payslip to fill in the details below for an accurate estimateYour Repayment Estimate
No Calculation Yet
Enter your payslip details, choose Short-Term or Long-Term, and click "Calculate Repayment" to see your estimated monthly instalment.
Amount × Term Repayment Matrix
Repayment Grid Available After Calculation
Enter your loan details above and click "Calculate Repayment" to generate the full Amount × Term repayment matrix, showing monthly instalments across different loan amounts and terms.
How This Calculator Works
Payslip-Based Net Pay
We use your actual payslip figures: (Basic Pay × 0.59) + Allowances − Deductions. This gives the most accurate picture of your available income.
Interest Calculation
Short-term (1–12 months): Interest is charged monthly on your declining balance.
Long-term (12–60 months): A fixed monthly rate is applied to your original principal.
Full cost is disclosed before you submit.
Affordability Check
We compare your monthly instalment against your payslip-based available income to ensure the loan is affordable for you before you apply.
Quick Product Reference
| Loan Product | Max Amount | Max Term | Rate Type | Eligible Sectors |
|---|---|---|---|---|
| Salary Advance | Based on salary | 36 months | Reducing balance | Public & Private |
| Education / Training | K25,000 | 24 months | Reducing balance | Public & Private |
| Medical Loan | K20,000 | 18 months | Reducing balance | Public & Private |
| Real Estate Financing | K50,000 | 36 months | Reducing balance | Public & Private |
| Motor Vehicle | K40,000 | 36 months | Reducing balance | Public & Private |
| Invoice Financing | K30,000 | 6 months | Reducing balance | Private Only |
Important Notes
- This calculator provides estimates only. Your actual loan terms and eligibility will be determined during the formal application process.
- Short-term: Interest is calculated monthly on your declining balance. Long-term: A fixed monthly rate is applied to your original principal. The total cost of credit will be fully disclosed before you submit.
- All loans are subject to employment verification, document review, and credit assessment by our loan officers.
- Long-term loans include an Insurance Fee (2%) and Arrangement Fee (5%) deducted from the disbursed amount. These fees are not added to your total repayable.
Tips for Applicants
- Have your payslip ready — accurate salary figures from your payslip give you the most reliable estimate.
- Choose a comfortable term — longer terms reduce your monthly payment, but total interest increases with term length.
- Use the eligibility checker — check if you pre-qualify before starting an application to save time.
- Borrow what you need — only take the amount you require to keep repayments manageable and affordable.
Ready to Apply?
Now that you have an estimate, create your account and submit your application. It takes less than 5 minutes to get started.
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