Personal Loans

Here at Moni Plus, with our friendly service and fast approval, applications will be processed on the same day as long as all our requirements are met. We live up to our motto Fast, Quick and Easy on approving Personal Loans. Whether you need help with School Fees or want a Top-up Loan, we don't want you to keep on waiting.

It is very easy to get a top up loan as long as the net pay can cater for the Loan Repayment after considering the take home pay.

We finance small unsecured personal loans for various genuine purposes such as:

  • School Fees
  • Funeral Expenses
  • Feast Expenses
  • Bride Price Assistance
  • Personal Goods Purchase
  • Travel Expenses
  • Medical Expenses
  • Refinancing
  • Other Genuine Purposes


  • Loan Repayments through direct pay payroll deduction only.
  • Two (2) Original Recent pay slips are required to be attached with the Loan application Form.
  • Current Employment ID.
  • Letter of confirmation from employer.


  • Loan Repayments are insured in case of a borrower's death.
  • No documentation fees or application fees.
  • Existing Moni Plus clients can enjoy interest rebates when applying for top up loans.


  • Regular Income earners who are employed for one year or more.
  • Private Company employee where direct payroll deduction is acceptable.
  • Net pay must be K200.00 or more.

Refinancing Guidelines

  1. Only existing Moni Plus customers with good repayment record will be considered for refinancing of loan.
  2. To refinance loans with the recognised and reputable finance companies.
  3. Client must have a good repayment record with other finance companies and must provide latest statement of account.
  4. After inclusion of other finance company's deduction, current net pay must still meet the 50% requirement under General Order 20 for public servants.
  5. PVA and/or ISDA to be handled by our staff to ensure that other finance company's deductions are ceased and Moni Plus deduction will commence.
  6. Disbursement of funds to the other finance companies will be done through Kundupei. Account number must be provided by client and to be confirmed by our staff.
  7. All other terms and conditions for Personal Loans apply.


Moni Plus Products

Select from a range of Moni Plus products to suit your individual needs:

Application Forms

Download one of our applications forms to start your loan application:

Contact Us

Feel free to give us a call or send us an email to discuss your loan requirements