Our solutions · Salary Advance
Financial Support When You Need It.
Salary Advance is a short-term, salary-linked loan for eligible employees of participating organisations, provided by Dhvija Finance Limited. Applications are subject to assessment, approval and the applicable loan terms.
Salary Advance vs EWA
Two different products.
| Salary Advance | Earned Wage Access | |
|---|---|---|
| What it is | A short-term loan linked to your salary | Access to part of wages already earned this cycle |
| Amount based on | Assessment and approval, within the loan limits | Wages earned so far, within programme limits |
| Cost | Interest and charges as per the Key Facts Statement | Applicable charges shown before you confirm |
| Repayment | As per the loan's repayment schedule | Settled from salary on payday |
| Where to apply | SalaryFlow app | SalaryFlow app |
The process
From application to repayment.
- 1
Apply
Apply in the SalaryFlow app. Your employer must be participating.
- 2
Assessment
Dhvija Finance Limited assesses your application against its credit policy.
- 3
Review the offer
If approved, you see the Key Facts Statement with the amount, tenure, interest, APR and all charges.
- 4
Disbursal
Once you accept, the loan is credited to your registered bank account.
- 5
Repayment
Repay as per the schedule in your loan terms, through payroll-linked deductions where authorised.
Loan details
Know the terms before you apply.
Before you accept, the app shows a Key Facts Statement with the full cost, repayment schedule and terms.
Your eligibility, limits, charges and timelines for Salary Advance are shown in the SalaryFlow app before you confirm a request. For questions, contact Employee Support.
Approval is not guaranteed. Borrow only what you need and can repay.
Salary Advance FAQs
Questions about the loan.
How is Salary Advance different from EWA?
What happens if I miss a repayment?
Can I cancel after accepting?
Offer Salary Advance to your workforce.
We'll show your HR team how the programme works end to end.