Salary Advance and short-term loans
Two ways to cover a gap before payday. Your employer has to be signed up before you can apply.
Salary Advance
Up to 30% of pay, in M-Pesa within about two minutes. One-time fee of 6.5% of the amount advanced.
Short-term loan
A larger amount, repaid over one to three months. Fixed fee of 6% per month on the loan amount.
Empowering Your Financial Wellbeing
At Apptivate Africa, we understand the importance of financial flexibility. Unexpected expenses can arise, and sometimes a little extra cash can go a long way. That's why we're proud to offer a suite of salary advance and short-term loan solutions.
Salary Advance: Bridge the Gap Until Payday
Our salary advance solution is designed to help you cover short-term needs until your next pay cheque arrives. Here's how it works:
- Quick and Easy Application: Apply for a salary advance directly through our secure Apptivate app or by dialing a USSD code we'll provide. The process is simple and takes just minutes.
- Fast Approval Decisions: The employee is pre-approved upto 30% of their salary, and will get the funds in their M-Pesa account within two minutes of sending the application.
- Flexible Repayment: Repay your advance conveniently through deductions from your upcoming salary.
Access Additional Funds When Needed
For those requiring a larger sum or a bit more time for repayment, we offer short-term loan options. These loans provide:
Financial Flexibility.
Fast and Convenient:
Apply online anytime, anywhere, or through the Apptivate app and USSD for even faster access.
Responsible Borrowing:
We promote responsible borrowing practices with clear terms and conditions.
Improved Financial Security:
Access the funds you need to avoid late fees or debt from other sources.
No Obligation:
There is no pressure to use the service. You can simply keep it as an emergency credit line for peace of mind.
Getting Started
for Employers
Easy Enrollment Process:
To offer these benefits to your employees, your company will need to sign up with us. The process is quick and straightforward—call us to get started.
Getting started
for employees
Check with your employer:
See if your company has already signed up with Apptivate Africa to offer these benefits.
Download the Apptivate app (optional):
For the most convenient access, download the Apptivate app from the App Store or Google Play.
Apply through the app or USSD:
Once your employer is signed up, you can apply for a salary advance or short-term loan directly through the app or by dialing the USSD code provided by your employer.
Receive your funds:
If approved, you'll receive the funds quickly and securely.
Salary Advance fee
6.5%
One-time, on the amount advanced. Repaid from your next pay.
Short-term loan fee
6% per month
Fixed, on the loan amount. Repaid over one to three months.
Any questions?
Check out the FAQ
Common questions about Salary Advance.
Employees whose employer has signed up with Apptivate Africa. Check with your employer before you apply.
Salary Advance has a one-time fee of 6.5% of the amount advanced. A short-term loan has a fixed fee of 6% per month on the loan amount.
A salary advance is repaid from your next pay. A short-term loan is repaid over a plan you choose, typically one to three months.
The company signs up with Apptivate Africa. Call 0700 566566 and the team will walk you through enrollment.
Once your employer is signed up, apply in the Apptivate app or with the USSD code your employer gives you. An approved salary advance is sent to M-Pesa.
Join Salary Advance now! Begin to see benefits!
Empowering your financial Wellbeing
Call 0700 566566