Support for the priorities that matter to you.

Payroll lending is intended for eligible people in formal employment. This may include employees of:

• Government and public service organisations.
• Parastatal and quasi-government institutions.
• Non-governmental organisations.
• Participating private-sector employers.

Eligibility depends on the employer arrangement, your circumstances, and the outcome of the credit assessment.

Under an agreed payroll arrangement, loan repayments are deducted by the employer and remitted to Azure according to the repayment schedule.

Before accepting an approved loan, review how the deduction will affect your take-home pay and household budget. Your agreement will explain the repayment amount, duration, and applicable conditions.

Depending on your application, requirements may include:

• Your NRC or passport.
• Proof of residence.
• Your latest three months of payslips.
• Your latest three months of bank statements.
• Employment confirmation or employer authorisation.
• Information required for credit reference and affordability checks.

Our team will confirm the applicable checklist and explain any additional requirements.

When reviewing an approved offer, check:

• The amount you will receive.
• The interest and applicable fees.
• Your repayment amount and schedule.
• The total amount repayable.
• Any insurance or other conditions.
• What happens if your employment or repayment circumstances change.

Ask for clarification whenever a term is unclear.