Welcome to Salary Advancement Loan Registration

About Salary Advancement Loans

Salary Advancement Loans provide employees with early access to a portion of their monthly salary, helping to cover urgent expenses before payday. Repayment is usually made directly from your next salary payment.

Note: Please ensure all details are correctly filled out to prevent processing delays. Salary Advancement Loans require employer confirmation and bank account verification. Have your employment details, valid ID, and bank information ready before applying. Before you begin, please review our Salary Advancement Eligibility & Contact Information to ensure you meet the requirements.

SALARY ADVANCE PAYMENT APPLICATION FORM

PERSONAL DETAILS


CONTACT INFORMATION

ADVANCE AMOUNT REQUEST

REASON FOR ADVANCE (Check applicable)

DETAILED EXPLANATION

REPAYMENT PREFERENCES

REPAYMENT SCHEDULE

 SALARY AFTER DEDUCTIONS

EMPLOYMENT HISTORY WITH REAL

CURRENT FINANCIAL OBLIGATIONS

Existing Salary Deductions

PERFORMANCE RECORD

IMMEDIATE SUPERVISOR ASSESSMENT

Employee Performance Ratings

DEPARTMENT MANAGER APPROVAL

Manager Recommendation

EMPLOYEE GUARANTOR

Guarantor Declaration

TERMS AND CONDITIONS

EMPLOYEE DECLARATION AND CONSENT

I hereby declare that:

 

REQUIRED DOCUMENTS

File Requirements:
   •Formats: PDF, JPG, PNG, DOC, DOCX 
   • Maximum size: 3MB per file 
   • Clear, readable scans required 

REQUIRED DOCUMENTS CHECKLIST

FOR HR/PAYROLL USE ONLY

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⚠ For HR/Payroll Use Only – This section is reserved for internal processing by our HR and Payroll departments. Applicants should leave this area blank.

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APPLICATION PROCESSING RECORD

ELIGIBILITY VERIFICATION

FINANCIAL ASSESSMENT

APPROVAL PROCESS

APPROVED TERMS

DISBURSEMENT DETAILS

Employee Bank Account:

PAYROLL INSTRUCTIONS

MONITORING AND FOLLOW-UP

Final Step: Application Fee

To proceed with your loan application, a ₦1,000 non-refundable registration fee is required. This single fee covers all loan types, including Quick Loan, Small Business Loan, Salary Advancement Loan, and Student Loan.

Note: Your application will not be submitted until payment is completed. This fee supports verification and processing, ensuring your application is reviewed promptly.

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ELIGIBILITY CRITERIA

  • Minimum 6 months of continuous employment

  • Satisfactory performance record

  • No outstanding disciplinary issues

  • Clear previous advance repayment history

  • Maximum 50% of monthly net salary

  • Maximum repayment period: 6 months

APPROVAL AUTHORITY

  • Up to ₦250,000: Department Manager

  • ₦50,001 – ₦500,000: HR Manager + Finance Manager

  • Above ₦1Million: Managing Director approval required

INTEREST & CHARGES

  • No interest for repayment within agreed period

  • 2% monthly interest on overdue amounts

  • Administrative fee: ₦1,000 (for amounts above ₦100,000)

REPAYMENT TERMS

  • Automatic salary deduction

  • Minimum 25% of net salary must remain after deduction

  • Early repayment allowed without penalty

  • Full repayment required upon resignation/termination

FREQUENCY LIMITS

  • Maximum 2 advances per calendar year

  • Minimum 3 months gap between advances

  • Emergency advances may be considered outside normal limits

CONTACT INFORMATION

REAL Recruitment Employment Agency Limited

Address: Business Centre, 36, Oluwole Street, Ejigbo, Lagos State, Nigeria
Phone: 0904 342 0796

Email: info@reallending.ng
Website: www.reallending.ng

HR Department:

Payroll Department:

OFFICE HOURS

  • Monday – Friday: 8:00 AM – 6:00 PM

  • Saturday: 9:00 AM – 2:00 PM

  • Sunday: Closed

HR Support Hours: Monday – Friday: 8:00 AM – 7:00 PM

EMERGENCY CONTACT

For urgent salary advance requests outside office hours:

APPLICATION SUBMISSION

  1. Submit to immediate supervisor first

  2. Forward to HR Department after supervisor approval

  3. HR will coordinate with Finance for final approval

  4. Disbursement within 2–3 business days of approval

PROCESSING TIME

  • Regular Applications: 3–5 business days

  • Emergency Applications: Same day (if submitted before 2:00 PM)

  • Complex Cases: Up to 7 business days