Check-off loans
Reliable credit for salaried employees, with structured repayments collected directly through payroll deductions.
Apply →
Your financial goals, funded
Financing everyday progress.
LockBx provides simple, secure and responsible credit for individuals, employees, riders and asset owners across Kenya — from check-off and logbook loans to EV and phone financing.
CBK-licensed
Six products
Payroll-linked
Responsible lending
CBK
Licensed digital credit provider
6 products
A growing financing ecosystem
Payroll+
Employer-linked lending
Same-day
Fast, responsive disbursement
Our products
Practical financing — plus the technology behind it.
A growing set of products built around how people in Kenya earn, own and grow — from everyday credit to the platform that powers lending itself.
Salary advance · WageLyft
Help employees access a portion of wages they have already earned, when they need it most.
Visit WageLyft →Loan Management System
Our end-to-end lending platform (LMS), offered as SaaS to other credit providers — originate, disburse, collect and report on one compliant system.
Learn more →
Asset financing
Own the assets that move you forward.
Secured financing for the vehicles and devices that lower costs and grow income — backed by the asset itself.
EV financing
Affordable financing for riders and entrepreneurs acquiring electric bikes and three-wheelers to cut costs and grow income.
Apply →Phone financing
Own a smartphone today and pay over time through flexible, transparent repayment plans.
Apply →Logbook loans
Unlock the value of your vehicle while you keep using it. Fast, secure financing backed by your logbook.
Apply →
Why LockBx
Credit you can trust, built for the people who use it.
Customers and partners choose LockBx because we combine regulated credibility with products that fit everyday life — and we lend responsibly at every step.
Licensed by the Central Bank of Kenya as a digital credit provider.
Practical financing products for real, everyday needs.
Fast, responsive and human customer service.
Deep employer and payroll-linked lending experience.
Responsible credit assessment and fair collections.
A growing ecosystem serving consumers, employees and SMEs.
For employers
Financial wellness your team can feel.
Give your people responsible access to credit and earned wages — without the admin burden. LockBx delivers employee financial wellness through our WageLyft platform, integrating with payroll so support reaches staff when it matters and repayment stays simple.
1
Onboard your organisation
We set up a payroll-linked facility tailored to your team.
2
Employees apply
Staff request a loan or earned-wage advance in minutes.
3
We assess responsibly
Affordability checks protect employees from over-borrowing.
4
Repay through payroll
Deductions are structured, automatic and transparent.
For investors & lenders
Built for scale. Governed for trust.
LockBx is expanding from employee and asset-backed lending into a broader digital credit platform. Diversified products, institutional governance and disciplined underwriting position us to serve Kenya's growing demand for accessible, structured, technology-enabled credit.
5+
Diversified lending products, plus an LMS platform offered as SaaS to other lenders
CBK
Licensed and regulated digital credit provider
Secured
Asset-backed and payroll-linked lending mix
Responsible
Affordability-led underwriting and collections
Institutional governance
Board oversight, defined credit policy and reporting discipline appropriate for institutional capital.
Product diversification
Multiple secured and payroll-linked products reduce concentration and broaden the market.
Portfolio discipline
Affordability-led underwriting, active collections and tenor management protect asset quality.
Real-world impact
Responsible credit that funds livelihoods — riders, employees and consumers building toward progress.
About us
A licensed lender focused on responsible progress.
LockBx exists to make practical, fair credit available to people too often underserved by traditional finance — and to do it within a regulated, well-governed framework.
Responsibility
We assess affordability first and lend in customers' genuine interest — never beyond what they can repay.
Transparency
Clear terms, clear pricing, clear repayment. People should always understand the credit they take.
Progress
Every product is built to help a customer, employee or rider move one step further forward.
Operating history
2018
Incorporated in Nairobi
LockBx Limited is incorporated on 21 June 2018 to deliver structured, payroll-linked lending.
2024
Licensed by the Central Bank of Kenya
LockBx is licensed as a Digital Credit Provider (DCP) in 2024, anchoring a fully compliant lending model.
Expanding
Product ecosystem broadens
Check-off and logbook lending extend into EV financing, phone financing and earned-wage access.
Today
Scaling a responsible digital credit platform
LockBx serves consumers, employees and SMEs while strengthening governance for institutional capital.
Careers
Build the future of fair credit in Kenya.
LockBx is a growing, regulated company where credit, technology and field operations meet. We hire people who care about doing lending the right way — and we give them room to grow.
A professional, governed environment with real ownership.
Impact you can see in customers' lives every day.
Join the team
We're always meeting great people.
Tell us how you'd like to contribute — send your CV and a short note, and we'll be in touch when there's a fit.
Careers@lockbx.io →
FAQs
Questions, answered.
Eligibility depends on the product. Check-off loans and salary advance are for salaried employees of partner organisations; logbook loans require vehicle ownership; phone and EV financing are open to qualifying individuals who pass our affordability assessment.
Start with the form on this page, or reach us on WhatsApp, phone or email. We will confirm the documents needed for your product and guide you through a quick assessment.
Many applications are assessed and disbursed the same day once your details and documents are verified. Timelines vary by product and the checks required.
Repayment is structured to your product — payroll deductions for check-off and salary advance, or scheduled instalments for asset and phone financing. Terms and amounts are agreed clearly upfront.
Yes. As a licensed digital credit provider, LockBx handles your data responsibly and in line with applicable Kenyan regulation and data protection requirements. See our Privacy Policy for details.
LockBx is licensed by the Central Bank of Kenya as a Digital Credit Provider, and lends within that regulated framework with responsible assessment and collections.
Ready to move forward?
Whether you're applying for a loan, partnering with us, investing in our growth or joining our team — LockBx is built to support progress.
Get started →
Contact · Apply
Talk to LockBx.
Tell us a little and we'll get back to you quickly.
Thanks — we've received your details and will be in touch shortly. You can also reach us directly on WhatsApp or by phone.