Check Off Loans: What You Need to Know About Them
In today’s fast-paced world, access to affordable credit can make all the difference when faced with an urgent need—whether it’s school fees, an emergency expense, or a personal investment. One of the most reliable financing solutions for salaried employees in Kenya is the check off loan.
This article breaks down what a check off loan is, how it works, its benefits, and how Roots Credit Ltd can help you access one.
What is a Check Off Loan?
A check off loan is a type of personal loan that is repaid through automatic deductions from your monthly salary. Instead of paying manually each month, your employer remits the loan repayment amount directly to the lender on your behalf.
This repayment method is ideal for both borrowers and lenders—it ensures consistency, reduces the risk of late payments, and simplifies financial planning for employees.
How Do Check Off Loans Work?
The process is straightforward:
You apply for the loan and agree to the repayment terms.
Your employer signs a check off agreement, authorizing deductions.
Once approved, the lender disburses the funds.
Every month, your employer deducts a portion of your salary and sends it to the lender.
This loan model is especially common in public institutions and larger private companies with structured payroll systems.
Read About: Logbook Loans and how secure they are.
Benefits of Check Off Loans
Here’s why check off loans are a smart financial choice:
Easy Repayment – No need to remember due dates or queue at banks.
Faster Approvals – Lenders process these loans quickly due to the secure repayment model.
No Collateral Required – Many check off loans are unsecured.
Structured Borrowing – Great for disciplined financial planning.
Access to Better Rates – Lenders often offer lower interest rates due to reduced default risk.
Who is Eligible for a Check Off Loan?
Generally, to qualify for a check off loan in Kenya, you must:
Be formally employed under an organization with a check off agreement.
Provide valid employment documentation (e.g., ID, payslips, employment letter).
Consent to monthly salary deductions to repay the loan.
Employers must also be willing to participate in the check off arrangement for the loan to be processed.
Check Off Loans from Roots Credit Ltd
At Roots Credit Ltd, we understand the financial needs of salaried employees and offer check off loans with:
Fast turnaround times
Affordable interest rates
Flexible repayment periods
Zero hidden charges
We work with a variety of employers—both in the public and private sectors—to offer convenient, salary-deducted loans tailored to our clients’ needs.
Learn more about our Products or apply directly via our Products page .
TSC Check Off Loan: A Specialized Option
As part of our check off loan offerings, Roots Credit Ltd has an official Memorandum of Understanding (MOU) with the Teachers Service Commission (TSC). This allows us to provide exclusive check off loans to TSC-employed teachers across Kenya.
This specialized loan comes with:
Swift approval and disbursement
Fixed monthly repayments via TSC payroll
No need for collateral
Are you a teacher under TSC? Apply here for your TSC Check Off Loan
Check Off Loans vs Other Loan Types
Unlike mobile loans, digital credit apps, or bank overdrafts, check off loans are repaid directly through salary deductions, making them more structured and dependable. They also offer better rates and larger loan limits because lenders have greater assurance of repayment.
If you own a vehicle and prefer asset-backed borrowing, we also offer Asset financing .
Final Thoughts
A check off loan is one of the most efficient and responsible ways for salaried employees to access financing. With automatic deductions, easy approvals, and no collateral, it simplifies the borrowing experience.
At Roots Credit Ltd, we are committed to providing flexible and transparent check off loan solutions, including specialized options like the TSC Check Off Loan.
Apply Now to get started with a check off loan
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