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Create your INSTABUXX account

Choose Borrower to take loans, or Lender to fund them. You will need to confirm your email address before you can do either.

Employees of registered companies get our lowest rate. Not listed? You can still borrow, at a higher rate, and your HR can register your company.
Lenders choose where they lend, so tell us your province.

Already registered? Log in instead

By registering you agree to our terms & conditions and DCC data policy.

checklist What happens next

  1. Confirm the link we email you (valid one hour)
  2. Complete your profile
  3. Upload ID, work ID, payslip and bank statement
  4. We set your limit at 60% of take-home pay
  5. Apply for your first loan

mail Use a real email address

Everything runs by email — your agreement, the loan decision and every balance update. Check Junk or Spam if nothing arrives.

percent The cost, upfront

INSTABUXX loans: 10% fixed interest on loans of K100 to K1,000, for up to 14 days. Borrow K500, repay K550 on payday. Our lowest rate, for employees of companies registered with INSTABUXX — their payroll repays the loan on payday. Short on your due date? You do not have to pay in full — you can pay just the interest.

Open the calculator

badge Employer not on the list?

You can still borrow up to K500, at 20% fixed. Talk to your HR or Payroll office: once your company registers you get 10% loans instead of ~50% on the street. INSTABUXX does not lend to self-employed people.

Ask my HR