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Work out the costRepayment calculator
Move the sliders to see exactly what a loan costs, and check it against your borrowing limit before you apply.
Your loan
We set borrowing limits at 60% of take-home pay. Enter yours to see whether this loan would be accepted.
on your due date
The interest is fixed: it is charged once for a loan of up to 14 days, so repaying earlier costs the same. There is no daily interest.
warning If you miss the due date
Another 10% of the original amount is added for every fortnight (14 days) the loan stays unpaid.
autorenew Can’t repay in full? Pay interest only
Pay the interest on the due date and the loan is then due on your next pay day, on the same amount. You can do this at the end of each term.
Indicative only. Your actual limit is set from your payslip.
How this is worked out. INSTABUXX lends K100 to K1,000 for up to 14 days. If your employer is registered, interest is a fixed 10% of the amount you borrow, charged once — K500 borrowed means K550 to repay on your due date. If it is not repaid by then, another 10% of the original amount is added for every fortnight it stays unpaid. Can’t repay in full on your due date? You can pay just the interest (10% of the amount, K50 on K500). Your loan is then due on your next pay day, on the same amount, at 10% again. You can do this at the end of each term. You repay in one payment on payday, through your employer’s payroll arrangement. Employer not registered with INSTABUXX? You can borrow up to K500 at 20% fixed, with another 20% of the original amount added for every fortnight it stays unpaid. Paying interest only costs the interest: 20% of the amount, K100 on K500. You repay us directly, not through payroll. More on rates and limits.