Salary advance from top lenders

Compare Salary advance from the best lenders

More than 300,000 users

Trusted by many

We Only Partner with Reliable Lenders

Best Salary advance in 2023

Credit Nigeria's Loan Service is
Quick. Easy. Safe


Complete a simple online form to see pre-approved offers

Choose Offer

Evaluate terms and payment choices and pick the best offer

Complete Application

Complete your application process with the chosen lender

Get Cash

Get the money after successful application completion.

What is a Salary advance?

A salary advance is like getting a part of your next month’s salary today. It’s a loan that lets you use some of your future salary when you really need it. For example, if you have an emergency or need to pay for something important before payday, a salary advance can help.

Reasons to get a Salary advance

  1. Unexpected Expenses: If something urgent comes up and you can’t wait until payday.
  2. Medical Emergencies: If you or a family member needs medical attention.
  3. Important Purchases: Maybe your computer broke down, and you need a new one for school or work.
  4. Short-Term Cash Needs: If you’re a bit short on cash and just need a little help until your next paycheck.

Benefits of a Salary advance

  • Quick Access: You can get the money fast, sometimes in less than a minute.
  • No Collateral: You don’t need to give the bank anything as security.
  • Flexible Repayment: The money you borrow is usually taken from your next salary, so you don’t have to worry about missing a payment.
  • Low Interest: Compared to other personal loans, salary advances often have lower interest rates.

Salary advance Calculator

Pros & Cons of a Salary advance


  • Convenience: It’s easy to apply, especially with banks like Polaris that offer instant disbursement.
  • No Hidden Fees: What you see is what you get. No surprise charges.
  • Help in Emergencies: Perfect for unexpected situations where you need money quickly.


  • Limited Amount: You can only borrow a percentage of your salary.
  • Short Repayment Time: You usually have to pay back the money by your next payday.
  • Can Become a Habit: If used too often, you might find yourself always relying on advances.

Where to get a Salary advance

Many banks in Nigeria offer salary advances. Some of the top ones include:

  • First Bank: Their “FirstAdvance” service lets you borrow if you’ve been receiving regular salaries for at least six months.
  • GTBank: They offer up to 50% of your net monthly salary.
  • Stanbic IBTC: They provide a revolving loan, which means once you repay, you can borrow again.
  • Polaris: They offer up to 50% of your next salary and process it super fast.
  • Access Bank: They claim to offer up to 100% of your net monthly salary.
  • Zenith Bank: They provide up to 60% of your net monthly salary.

How to get a Salary advance

Getting a salary advance in Nigeria is straightforward:

  1. Check with Your Bank: See if your bank offers salary advances.
  2. Apply: This can often be done online or through a mobile app.
  3. Wait for Approval: Some banks give instant approval, while others might take a bit longer.
  4. Receive Your Money: Once approved, the money will be sent to your account.

How Credit Nigeria Works

Credit Nigeria is a modern online loan comparison platform that provides a safe and easy way to find loan offers you are eligible for, compare loan offers and select the loan offer to your liking.

After completing the loan comparison form, you will get a list of loan offers you are eligible for within seconds. 

It’s that fast, simple and all online.

Woman comparing loans

Learn About Personal Finance