Salary Advance & Staff Housing Schemes
Specialized Loan Programs for Civil Servants and Employees to Meet Housing and Personal Needs
At Kebbi Home Savings and Loans Ltd, we understand that salaried workers, especially civil servants and private-sector employees, need access to timely and affordable credit. That’s why we’ve created customised loan solutions that cater to your salary structure, repayment capacity, and life goals.
Whether you’re looking to build or buy a home, handle urgent expenses, or improve your living conditions, we’ve got you covered.
Salary Advance Loan
A Salary Advance Loan is a short-term loan given to salaried employees to help them meet urgent financial needs before their next paycheck.
Instead of waiting until the end of the month to receive your full salary, a portion of your expected salary is given to you in advance, typically up to 50% or more, and then deducted from your next salary payment.
Key Characteristics of Salary Advance Loans
Short-Term: Usually repaid within 1 to 3 months.
Fast Disbursement: Funds are often disbursed within 24–48 hours of approval.
Automatic Repayment: The loan is deducted directly from your salary when it is paid.
No Collateral Needed: Approval is based on your employment status and salary history.
For Urgent Needs: Ideal for emergencies like medical bills, school fees, rent, or unexpected expenses.
Who Can Apply?
Confirmed employees of a registered company or government institution
Individuals with a steady monthly salary
Those with a valid ID, employment letter, and salary account
Example Use Cases
You need to pay urgent medical bills before payday
You need to cover back-to-school expenses for your children
You’re moving into a new apartment and need to pay rent quickly
Important to Know
Salary advance loans are not meant for long-term borrowing.
They are best used for short-term cash flow gaps.
Interest rates are usually lower than unsecured personal loans but can vary depending on the lender.
Staff Housing Scheme
The Staff Housing Scheme is a long-term mortgage solution tailored for employees who wish to acquire or build their homes, with repayments linked to monthly salaries for convenience and affordability.
Key Features
Long-term repayment – up to 10–15 years
Payroll deduction – seamless monthly repayments
Use for – home purchase, construction, or land acquisition
Access to real estate advisory – assistance with property search, documentation, and project planning
No collateral required – just employer confirmation and basic documentation
Employer Partnership Model
We collaborate directly with organizations (government agencies, educational institutions, health facilities, private firms) to:
Implement salary-deductible loan programs
Facilitate group housing schemes
Ensure fast approval through employer verification
Reduce default risk through cooperative engagement
This model ensures employees can access credit conveniently while employers promote staff welfare and retention.
Eligibility Requirements
To qualify, applicants must:
Be a confirmed employee of a recognized institution
Present a valid ID and employment letter
Submit recent pay slips and 3–6 months’ bank statements
Provide employer endorsement (for housing loans)
Maintain a salary account with us or a verified bank
Who Can Benefit?
Civil servants (federal, state, local)
Teachers and academic staff
Healthcare professionals
Police, military, and paramilitary staff
Employees of registered private organizations
Why Choose Us?
Fast processing and approval
Affordable repayment structure
Dedicated support and advisory
Trusted by employers and institutions
End-to-end service, from funding to property acquisition
Take the Next Step Toward Financial Stability and Home Ownership
Whether you’re looking to ease short-term financial pressure or secure a place to call your own, our specialized loan programs are designed with your needs in mind.