How Check-Off Borrowing Works
A step-by-step walkthrough of Kenya's most respectful and transparent payroll credit facility.
Check Eligibility & 1/3 Rule
Confirm that your employer has a registered check-off partnership with Betasoft (e.g. Civil Service, TSC, KPA, KPLC, or corporate parastatals) and that you have completed at least 3 months of service.
Submit 100% Digital Application
Select your loan facility, enter your requested amount, and upload your National ID and latest 3 months certified payslips directly from your smartphone or computer.
Verification & Employer Confirmation
Our underwriting team coordinates digitally with your organization's HR / Payroll desk to confirm active employment and check-off payroll roster inclusion.
Automated Approval & Loan Offer
Receive your transparent loan offer disclosure via SMS and email detailing your monthly installment, nominal interest, and zero hidden charges.
Disbursement via M-Pesa or Bank
Funds are disbursed immediately. Salary advances and emergency loans land directly into your Safaricom M-Pesa line via B2C payout. High-value loans wire via RTGS/PesaLink.
Automated Payroll Deduction
Repayments are deducted smoothly by your employer before salary disbursement. You never have to queue at banks, worry about late penalty fines, or remember Paybill deadlines.