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About
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Salary Advanced Loan
Get Paid Before Payday
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Explore Salary Advance Loans
The
Salary Advance Loan
is a short-term personal loan that allows salaried employees to access part of their income before payday. It’s ideal for handling unexpected expenses, urgent bills, or personal needs - without long-term debt.
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Key Benefits
Fast Access
Get funds quickly before payday when emergencies arise.
Short Tenure
Repay comfortably over a simple three-month period.
No Collateral
No assets required to secure your salary advance.
Simple Requirements
Easy application with minimal documentation needed.
Direct Disbursement
Funds paid straight into your salary account.
Salary-Based Approval
Approval based on your regular monthly income.
Eligibility Criteria
To qualify for a Salary Advance Loan, you must:
Be a salaried employee
Have a valid National Registration Card (NRC)
Receive salary through a bank account
Meet Lupiya’s affordability assessment
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How it works
1. Start Your Application
Complete a quick online form via Lupiya’s mobile or web app.
2. Submit Your Details
Upload KYC documents and employer confirmation.
3. Get Verified Fast
We work directly with your employer for verification.
4. Get Approval Fast
Loans are approved quickly and disbursed to your Lupiya wallet or bank.
5. Repay with Ease
Monthly deductions are made directly from your salary.
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Support
Got Questions? We can help
Everything you need to know about the Salary Advance Loan. Can’t find the answer you’re looking for? Please chat to our team.
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How long does approval take?
Most Salary Advance Loans are approved within 48 hours.
Is collateral required?
No. This loan is salary-backed and does not require collateral.
Who qualifies as a returning applicant?
Any customer who has previously borrowed from Lupiya and successfully repaid.
Where is the money sent?
Funds are deposited directly into your salary bank account or your Lupiya wallet.
Minimum Tenure:
62 days
|
Maximum Tenure:
60 months
| Maximum APR:
40%
Representative Example of a K1,000,000 SME loan over 12 months:
INTEREST RATE
2.5%
LOAN VALUE
K1,000,000
LOAN TERM
12 Months
TOTAL AMOUNT
K1,169,845.52
MONTHLY REPAYMENT
K97,487.13
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