We solve the problem of loan overburden and negative pay
Our product analyzes your employees' debt-to-income ratio so that each employee can only access what they are capable of paying without incurring a negative monthly balance.
We have solved:
- Loan overburden
- Payroll inefficiency from outdated manual systems
- Inaccessible low-interest loan options for employees
- Unreliable repayment tracking
Dedukt is a financial technology providing real time credit
referencing and automated payroll loan deduction to hundreds of
lenders to drive access to credit for Africa's 500m+ workforce enabling faster, safer, and more inclusive lending decisions.
The right Tools you need
to Lend with Confidence
From confirming employment to checking salary history and credit limits, Dedukt gives you the key details you need. It's easy to use, works with your system, and helps you avoid risky loans.
Employment Verification
- Instantly confirms if an applicant is actively employed.
- Verifies employee's name, retirement date and loan obligations
Income & Salary Validation
- Access structured payroll data to confirm salary history, pay cycles, and net income.
- Detects salary consistency, trends, and anomalies.
Credit Eligibility Assessment
- Determines an applicant's available deductible balance based on their verified net salary and employer-defined limits.
- Calculates Debt-to-Income (DTI) ratio using existing obligations and income records to assess affordability and repayment capacity.
API & Dashboard Access
- Easy-to-integrate APIs for lenders to run real-time checks from their own platforms.
- Dedicated dashboard for bulk checks, applicant tracking, and performance insights.
Verified Data.
Better Lending. Less Risk.
Faster Credit Decisions
Enables instant decisioning by providing verified salary and employment data within seconds eliminating delays from manual verification.
Lower Default Risk
Lenders make more informed decisions based on accurate, up-to-date employer-backed data, reducing exposure to fraud and high-risk borrowers.
Increased Approval Rates
With transparent and real data, lenders can safely extend credit to previously overlooked but qualified borrowers.
Improved Loan Recovery
Because the data is tied to employer systems, lenders have a clearer path for recourse and structured repayments.
Compliance & Privacy First
Built with data security and compliance in mind, Dedukt ensures sensitive employee information is only shared with user consent and for valid lending purposes.
Who did we build
Dedukt for?
Employees
Get access to various automated loans, savings and thrift products with ease all in one place. Be in full control of your finances by determining which deductions come off your paycheck, monitor loan repayments and other savings and thrifts.
Employers
Whether you're a Federal, State, Military or Private Sector employer, Dedukt helps you keep track of employee loan exposure and also relieves you of the burden of having to offer financial help to employees emergency needs, we will do it for you with ease.
Banks & Fintechs
Connect with Employers and deliver workplace financial
services to your customers with simplified payroll deductions
The Platform African
Lenders and Employers
rely on
Dedukt is already powering real-time credit and payroll decisions for thousands of employees and organizations across Africa. With over 15,000 transactions processed and 95 lenders on board, our platform is built for trust, scale, and impact.
Why you need Dedukt for your Organization
Improve Employee Productivity
Access to funds when needed is therapeutic. If employees do not need to worry about money, you will get the best results from them. Let's help you finance their needs.
Manage Employee Exposure
Dedukt was built to not only give loans to employees but to also help manage the risk in taking loans. Everything has been automated to fit every employee's capacity and as such your loan or income cannot go wrong with our product.
Easily Automated Loan Repayment
Our repayment system is fully automated and flexible. We believe paying back loans should also be convenient for your employees and as such our repayment structure was built to make it easy and affordable to repay loans.
Trusted by
How has dedukt helped
other employers?
Payroll loans can really help motivate employees and boost company revenue, especially for a small-to-medium business like Bright & Co. Constructions. This company got a whopping 67% increase in revenue by implementing good payroll loans that motivated their employees.
They were in search of a responsible lender because their staff members started complaining about unnecessarily high-interest rates from the previous lender they were working with.
Dedukt connected them with responsible lenders that gave low-interest loans at just 4% per annum. dedukt did not just motivate their employees to achieve a massive scale but they were also able to automate deductions and make informed lending decisions.
A Case Study on
Bright & Co. Constructions
How dedukt has helped Lenders
Read how dedukt has transformed productivity for our customers
and hear their success stories.
As the Head of Credit Risk at Links MFB, I can confidently say that the Dedukt portal is the best I have worked with so far. In terms of collections and payments, the application is extremely fast and even displays customers' upcoming salary amounts.
Before onboarding with Dedukt, Links MFB had struggled with backlog payments for a long time. However, since we started using the application, our loan repayment rate has been 100% — which is the ultimate dream of every bank.
Wallet payments and network performance have also been seamless for both me and my bank.
Values we live by
Passion
When it comes to technology, we have the best minds but it's not about writing codes, it's all about our drive for success
Commitment
Our customer first approach helps us understand your needs better, you bet our solutions are just spot on!
Delivery
We wouldn't stop until you say so but time and accuracy is essential to what we do. Let's work together!
How Dedukt works?
Join Our Ecosystem
Register your organization to access a centralized platform built for secure, compliant, and scalable credit access services.
Connect with Partners
Partner seamlessly with trusted lenders and financial service providers, giving your employees access to credit.
Set up Deduction
Automate and manage loan deductions directly from payroll, ensuring accurate repayments and reducing credit risk.
You Have Questions?
We Have Answers.
What is Dedukt?
Dedukt is a credit verification and decisioning platform that helps lenders assess the creditworthiness of salaried individuals using verified employment and payroll data sourced directly from employers.Who can use Dedukt?
Lenders, financial institutions, and employers who want to verify employee income and creditworthiness.How does Dedukt verify employment and income?
Dedukt verifies employment and income directly through secure integration with employers' HR and payroll systems.What is the available deductible balance?
The available deductible balance is the portion of an employee's salary that can be safely deducted for loan repayments.How is the available deductible balance determined?
It is calculated based on verified salary, existing deductions, and responsible lending guidelines.Does Dedukt generate a credit score?
No, Dedukt provides verified employment and payroll insights to help lenders make informed decisions. It does not generate a traditional credit score.How can Dedukt help reduce loan defaults?
By providing real-time verified income and employment data, lenders can assess repayment capacity more accurately.Can Dedukt be integrated into our lending platform?
Yes, Dedukt offers seamless API integration for lending platforms and financial institutions.Is Dedukt only available in Nigeria?
Currently focused on Nigeria with plans to expand across Africa.What does loan cancellation or stoppage mean on Dedukt?
It refers to the ability of employers or lenders to pause or cancel salary deductions when necessary.
Still have questions?
Reach out to Us.
Still have questions?
Reach out to Us.
