DTB INUA

Access a short-term salary advance loan of KES 1,000 to KES 100,000, up to 50% of your net monthly salary. Eligible employees can apply digitally without collateral, physical paperwork or a branch visit, then repay on their next salary payment date.

Overview

DTB INUA is an unsecured salary loan for eligible employees who need a small amount before their next payday. Borrow from KES 1,000 to KES 100,000, up to 50% of your net monthly salary, and repay within a maximum of 30 days through check-off or direct debit from your DTB account. The application is completed digitally, helping you manage urgent, short- term expenses without collateral or a branch visit.

What You Need to Open an Account

The requirements are as follows:

You must have a DTB Account.
Your employer must bank with DTB.

Features

Access a comprehensive suite of banking services and tools:

Product type: Short-term, unsecured salary advance loan
Loan amount: KES 1,000 to KES 100,000, subject to an approved limit
Access: Up to 50% of your net monthly salary
Repayment term: Up to 30 days, due on your next salary payment date
Application fee: 7% of the approved loan amount
Rollover: Not available
Repayment: Check-off or direct debit from your DTB account

Benefits

Discover the advantages of banking with DTB INUA

Borrow a small amount before payday to manage short-term or unexpected expenses.
Apply digitally from home or the office without visiting a branch or completing physical paperwork.
Access an unsecured salary loan without providing property or other collateral.
Repay in one short cycle on your next salary date, avoiding a long-term loan commitment.

FAQs

Answers to common questions about salary advances, eligibility, borrowing limits, digital applications, fees, repayment and choosing a suitable short-term loan in Kenya.

DTB INUA is a digital salary advance loan for eligible employees. It provides between KES 1,000 and KES 100,000, up to 50% of your net monthly salary, with repayment due on your next salary payment date and a maximum tenor of 30 days.

A salary advance loan is short-term credit based on an employee’s regular salary. It is designed to provide a small amount before the next payday and is normally repaid when the next salary is received. DTB INUA is an unsecured salary advance for eligible employees whose employers bank with DTB.

Eligible employees can apply for DTB INUA as a short-term loan before payday. You must have a DTB account and your employer must bank with DTB. Select “Get In Touch” for the current digital application instructions and to confirm your eligibility.

To be considered, you must have a DTB account and your employer must bank with DTB. The amount available is also subject to the approved limit, your net monthly salary and DTB’s current product and credit-assessment requirements.

The current eligibility requirement states that the employer must bank with DTB. If your employer does not meet this condition, contact DTB to ask whether another personal-loan or salary-banking option may be suitable.

Yes. A DTB account is a stated requirement for DTB INUA. Repayment is made through check-off or direct debit from the employee’s DTB account.

You may access from KES 1,000 to KES 100,000, subject to eligibility and an approved limit. The loan is also capped at up to 50% of your net monthly salary, so the amount available may be lower than the maximum product limit.

No. KES 100,000 is the product maximum, not a guaranteed amount. Your approved limit must fall within the product range and cannot exceed the applicable percentage of your net monthly salary.

DTB INUA applications are completed digitally, without a branch visit or physical paperwork. Use the current DTB digital application channel or select “Get In Touch” for the latest step-by-step instructions.

DTB INUA is a digital salary advance, but approval and access should not be assumed to be automatic or guaranteed. Eligibility, the available limit and the application outcome depend on DTB’s current assessment and product rules.

No property or other security is required because DTB INUA is an unsecured salary advance. Eligibility is instead linked to the DTB account, the employer’s banking relationship with DTB and the applicable product assessment.

The maximum repayment period is 30 days, with payment due on your next salary payment date. This makes DTB INUA suitable for a short-term need rather than long-term borrowing.

Repayment is collected through check-off or direct debit from the employee’s DTB account. Confirm the repayment date and ensure sufficient funds are available when your salary is paid.

The current product information lists an application fee of 7% of the approved loan amount. Before accepting the facility, review the terms and ask DTB to confirm the total repayment amount, including any applicable taxes or other charges.

The current product page lists a 7% application fee but does not state a separate interest rate. Review the DTB INUA Employee Terms and Conditions or ask DTB to confirm the complete cost of borrowing before you apply.

No. Rollover is listed as not available. Plan to repay the full amount through the agreed check-off or direct debit on the next salary payment date.

Contact DTB as soon as you expect a delay. Late or failed repayment may have consequences under the product terms and applicable credit-reporting requirements. Early communication can help you understand the available next steps.

A salary advance is generally suited to a smaller, urgent need that can be cleared from the next salary. A personal loan usually provides a larger amount with repayments spread over several months or years. Compare the amount needed, total cost and repayment period before choosing.

Compare the total cost, loan amount, eligibility, repayment date, application process, lender credibility, data privacy and consequences of late payment. DTB INUA offers a digital, unsecured salary advance of up to 30 days for eligible employees, but you should confirm that the repayment fits comfortably within your next salary.

DTB INUA can help eligible employees manage a temporary short-term expense before payday. Borrow only the amount you need and can repay from your next salary after allowing for essential household and financial commitments.