Public Sector Payroll Loan · IPPIS
Access the capital your salary already earns you.
A straightforward, salary-backed loan for public and private sector workers — assessed in hours, repaid in step with the way you already get paid.
Money you have already earned, when you need it sooner.
Your salary is the most predictable thing about your finances — so it is the fairest thing to lend against. The payroll loan lets you bring some of that future income forward, without pawning an asset or leaning on family.
How it is secured
Repayment is aligned to your pay cycle and made by deduction, so the loan is backed by your verified income rather than collateral.
Who it is for
Salaried workers — public sector (IPPIS and similar payroll schemes) and verifiable private employers — who want a defined amount repaid over a term they choose.
Estimate your payroll loan in seconds
A free, no-obligation estimate. Nothing is stored until you choose to continue.
Payroll Loan Calculator
Illustrative only — your exact offer follows a full assessment.
You may qualify for up to
Estimated monthly deduction ₦—. Based on roughly one third of net salary across your chosen tenor. Not an offer of credit.
An advisor will send your itemised schedule and next steps shortly. Prefer to talk now? WhatsApp us.
Four steps, no mystery
Apply
Assess
Agree
Access
The Salary Earner's Guide to Borrowing Well
A plain-English guide to reading a loan offer, avoiding buried fees, and choosing a tenor you will thank yourself for.
Before you apply
Salaried public and private sector workers whose income can be verified and whose repayment can be aligned to their pay cycle. If you are on IPPIS or a similar payroll scheme, this is built for you.
Repayment is made by deduction aligned to your salary, so the loan is secured against your verified income rather than an asset. There is no collateral to pledge.
We move quickly once your income and documents are verified. Rather than a blanket promise, we give you a realistic timeline for your specific situation when you apply.
Typically a valid ID, recent payslips or an employment letter, and bank statements. We confirm exactly what applies to you before you start.
Yes. Early repayment terms are set out plainly in your offer, with no hidden penalties.
