About EsiLoan - Welcome to EsiLoan

About EsiLoan

An ESILOAN is an unsecured, short term loan to employees of private companies, selected state institutions and firms.

The Company, State institutions (not utilizing the concept pay system) and/or Firm and must have a wage/salary deduction agreement with Kina Finance Limited to deduct the agreed repayment from the applicant's salary and paid this amount to Kina Finance Limited.

EsiLoan Purpose

Funding is to cover short term personal finance needs, examples include, school fees, travel or medical costs, etc

Lending Term

Term period can range from 5 fortnights to a maximum of 36 fortnights.
Fortnight is a 2 week period


K500 to K10,000 (Rising in increments of K100 to K5,000 then
in increments of K500 to K10,000)

Apply for an EsiLoan today, and get a response in 24 hours!

Apply Now

Criteria Requirements

  • A fully completed application form signed by the applicant.
  • Irrevocable Salary/Wage Deduction Form signed by the applicant and signed and stamped by the applicants Pay Master.
  • If an existing client, an original of the most current payslip is to be supplied if no overtime is to be utilised for debt servicing.
  • If a new client, two originals of the most current payslips are to be supplied if no overtime is to be utilised for debt servicing.
  • Applicant must have been employed by the current approved employer for a minimum of 6 months and have an authorisation from the employer that they have passed probation.
  • If less than one year then the loan is to be a maximum of 10% gross salary including benefits only (*exclude Over time).
  • A copy of the applicant’s current bank statement if the payslip does not indicatebanking details.
  • Any pay variation advised must be signed and acknowledged by the payroll department.
  • A satisfactory credit check must be completed using the Credit and Data Bureau.
  • Net pay after any Kina Finance Limited deduction must be a minimum of K150.00 per fortnight.
  • A clear copy of an acceptable identification must be supplied

Fees & Interest Rates

As set from time to time by ESILOAN. The interest rate will be fixed at the commencement of the loan and remain fixed for the period of the loan. The Establishment fee will be added to the principle requested. All external fees applicable to the loan will be added to the repayment amount.


The refinancing of other finance companies liabilities is permitted.