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Our Loans BFS Loan Product

Government Payroll Loan

Structured payroll financing for eligible public-sector and civil-service employees.

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Who can apply?

Eligible applicants

Public-sector and civil-service employees

Loan AmountBased on salary and assessment
Loan PurposePersonal or household financing needs
Loan TermUp to 60 months
RepaymentVia payroll deduction
Features

Structured payroll financing for eligible public-sector and civil-service employees.

  • Personal or household financing needs
  • Term: Up to 60 months
  • Repayment: Via payroll deduction
  • Reviewed during assessment
Benefits
  • Reviewed by a dedicated BFS branch and risk team, not an automated decision
  • Clear repayment schedule agreed before disbursement
  • Ongoing support from your account officer through repayment
  • Transparent terms with no hidden charges
Requirements

Eligibility

  • Public-sector and civil-service employees
  • Fully completed loan application form
  • Local government identification
  • One passport photo of the applicant
  • Valid National ID or other acceptable identification
  • Bank statements relevant to the loan type

Collateral

  • Reviewed during assessment

Documents

  • Fully completed loan application form
  • Local government identification
  • One passport photo of the applicant
  • Valid National ID or other acceptable identification
  • Bank statements relevant to the loan type
  • Photos or documents of collateral where required
FAQs

Questions about Government Payroll Loan

Who can apply for the Government Payroll Loan?

Public-sector and civil-service employees.

How much can I borrow?

Based on salary and assessment.

How long do I have to repay?

Up to 60 months, repaid via payroll deduction.

Ready to apply?

Start your Government Payroll Loan application now.

Fill in a short online form with your details and the amount you need. The BFS team will contact you to confirm documents, assess repayment capacity, and guide you through the next steps.

Start Application
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