This Christmas season reminds us of what matters

We are here to support your financial planning as you look toward a steady new year

Start Planning

Take Control of Your Finances

Restructure debt into one simple repayment plan and breathe easier knowing your future is secure.

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Need a Personal Loan?

Fast approval for working professionals.
Same-day payout when requirements are met.

Check Your Eligibility

Support Your Family, Grow Your Future

From school fees to cultural obligations, Kina & Toea helps you handle life’s big responsibilities with confidence.

See How We Help
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Why Choose Us?

Salary-Based Repayment
A loan with flexible repayments automatically deducted from your salary.
  • Repayments deducted from your salary
  • Choose from 15/20/25/30 fortnights
  • Early settlement allowed
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Fast Approval
Get your loan approved within a days for quick access to funds.
  • Simple document check
  • Express Approval - same day
  • Normal Approval - 2 day (next day)
  • Funds disbursed quickly
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Consolidation Loan
Consolidate loans for easy, streamlined repayments.
  • Combine multiple balances into one loan (refinance)
  • Single repayment schedule
  • Clear view of what you owe
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Loan Support

How Do We Support You

Life comes with many responsibilities, from caring for family to meeting cultural commitments and building a secure future. Our loans are more than quick cash. They give you breathing space, help you manage or restructure debt, and create opportunities that matter most for you and your loved ones.

  • Strengthening Your Home

    Keep your family safe and comfortable by repairing or upgrading your house when it matters most.

  • Investing in Education

    Give your children the chance to learn and succeed with timely support for school fees and supplies.

  • Health and Wellbeing

    When unexpected medical bills arise, we help you focus on healing instead of worrying about costs.

  • Family and Cultural Commitments

    Whether it is bride price, ceremonies, or traditional obligations, we stand with you in honoring what is important.

  • Debt Consolidation

    Simplify life by combining multiple debts into one clear and manageable repayment plan.

Check Your Eligibility

Loan Overview

  • Minimum Loan: K1,000
  • Maximum Loan: K15,000
  • Repayment Terms: 15 to 30 fortnights
  • Approval Time: Within 4 working hours
Repayment Calculator

Estimated repayments for - amount over -

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per Fortnight
This is an estimate for illustration. Final figures may vary after document review.

Required Documents

  • Last 3 Fortnight payslips
  • National Identification Card (NID)
  • Employment Identification Card
  • Statement(s) showing other loans
  • Selfie Photo
  • Payroll/HR confirmation of loan repayment via salary deduction
  • Bank Account Statement
  • NASFUND/SUPERFUND ID
  • Company Confirmation Letter
  • Fully completed application form
  • Selfie Photo with ID
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