Your salary,before payday.
Part of your salary, sent to M-Pesa once approved, and deducted on payday. You see the full cost before you confirm.
- the full cost, before you confirm
- Upfront
- where the money lands
- M-Pesa
- when it's deducted
- Payday
One payroll period, scrolled.
earned so far · 0 of 10 working days
This advance will be deducted from the October 2026 salary on 25 Oct.
Your employer joins
They register, upload company documents and sign the contract in the portal. Advans sets the terms.
You request on your phone
See the full cost and due date first. Once approved, the money goes to M-Pesa.
Repaid on payday
Each advance becomes one invoice your employer pays on the payroll date.
The terms
- Quoted in full.
- Before you confirm.
- Paid to M-Pesa.
- Deducted on payday.
Before you confirm, the app shows the facilitation fee, excise duty, total to repay and the date it comes out of your salary. That advance keeps those terms even if your employer’s pricing changes later, and nothing is created if you walk away.
Three parties, one job each.
Your limit is worked out by Advans from your salary and your employer’s terms. Nobody types it in.
- AdvansThe terms
- The fee and how much of a salary an advance can draw on. Versioned: an advance keeps the terms it was priced with.
- Your employerThe decision
- Approves each request, can approve less than asked, or auto-approves eligible requests up to a ceiling.
- YouThe amount
- Any amount within your available limit, quoted in full before you confirm. Nothing is saved if you walk away.
Three portals, one ledger.
Advances are funded by Advans’s funding partners, not by you. Staff request on their phones; you approve, then pay one invoice per advance on payroll day.
What an advance looks like from the employee's side.
- Onboard onlineRegister, upload documents, sign the contract with an SMS code.
- Approve your wayDecide each request, or auto-approve up to a ceiling.
- Pay one wayInvoices by M-Pesa, up to KES 250,000, or bank transfer.
Priced once, written down first.
- Before you confirm
Every line of the cost is on screen before anything is created.
- Kept as quoted
An advance keeps the terms it was priced with, even if your employer's terms change later.
- Walk away freely
Change your mind before confirming and nothing is saved.
- Principal
- The amount you ask for
- KES 1,000
- Facilitation fee (7.5%)
- Added to what you repay
- KES 75
- Excise duty (1.5%)
- Added to what you repay
- KES 15
- Net cash sent
- To your M-Pesa, in full
- KES 1,000
- Total repayment
- On payday, after 30 days
- KES 1,090