Loans, salary advances & earned-wage access

Three ways to support staff between paydays, all recovered cleanly through payroll.

A **staff loan** is a structured amount with a monthly repayment schedule. Once approved it becomes an automatic payroll deduction that decrements each month and stops when the balance clears. The employee tracks it in self-service.

A **salary advance** is a faster lump sum approved ahead of payday and recovered from upcoming pay. **Earned-Wage Access (EWA)** lets staff draw a portion of pay they've already earned, recovered automatically at the next run.

Recoveries respect a priority order and never push net pay below zero. Any shortfall is carried forward as arrears rather than overdrawing someone's pay.