Earn Wage Financing is a short-term loan facility that allows eligible employees to access a portion of their salary before payday. It is designed to help manage monthly expenses without financial stress.

This facility is only available to employees of partner organizations that are on our payroll system.

You can borrow up to 40% of your net monthly salary, with loan amounts ranging from PKR 10,000 to PKR 200,000.

The loan amount increases as the month progresses and is calculated based on the number of days in that month & the salary you’ve earned up to that point. This ensures fair and proportional access to earned wages.

The loan is for a 1-month tenure and is repaid during the next payroll cycle.

The loan amount is automatically deducted from your salary when your employer runs the payroll.

A processing fee of PKR 300 or 3% of the loan amount (whichever is higher) will be charged.

If you’re eligible, you can apply directly through the mobile app.

Yes, you can apply through Alfa by logging in as guest