Get your salary in advance

A salary advance is a payment that an employer provides to an employee before the employee's regular payday. This is typically a partial amount of the salary that the employee would otherwise receive at the end of the pay period.

You don’t need to worry about repayment. Your company deducts the requested amount from your salary and pays it back to Incash on payday.

You cannot request more than your salary amount. You can only make requests for salary advances for monies you have earned. That is your accrued salary in a given month.

The repayment period for a salary advance typically ranges from one to three pay periods, depending on the amount advanced and the employer's policies. For larger advances, repayment may extend over several months, with deductions made from each paycheck.

Yes, a salary advance will affect your take-home salary after the pay period, as the advanced amount will be deducted from your next paycheck. This means you'll receive a reduced amount on your payday to account for the advance.

Absolutely. There are benefits

• It is your own money;
• We don’t call your friends and family to ask for repayment;
• No interest rates;
• You’re able to meet unexpected emergencies

1. Click on "Sign Up" or "Create Account"
2. Enter your personal details (e.g., name, email, phone number).
3. Verify your identity (e.g., via OTP or document upload).
4. Set up your account credentials (password/PIN).
5. Complete the registration process and start using Incash.

Incash does not give loans currently. We only offer advances for your verified salary amount.

You don’t need to worry about repayment. Your company deducts the requested amount from your salary and pays back to Incash on payday.

Your company needs to sign up on Incash for you to access the facility. You can then access Incash on the web at www.incash.africa, or on mobile. Download the app on the Google Play Store, or the Apple App Store. Incash can aso be accessed by dialling the USSD code *347*338#

Refer your employer through this link: Refer your employer

InCash stands out as the premier salary advance platform in Nigeria, offering unparalleled benefits and innovative financial solutions for employees.

Top Features of InCash

• Nigeria's largest Earned Wage Access platform
• Zero interest rates on salary advances
• Delaware, US-based fintech with robust infrastructure
• One-time transaction fee ranging from ₦500-₦2,000
• Ability to withdraw up to ₦100,000 in earned wages

Key Advantages

• Instant fund transfers (as quick as 3 minutes)
• No hidden charges
• Flexible repayment aligned with salary cycle
• Comprehensive financial wellness platform
• Employer-partnership model ensuring security

Eligibility Criteria

To use InCash.Africa, employees must:

• Work with a partner company
• Be employed for minimum 3 months
• Complete full KYC verification
• Have signed employment agreement

Earned Wages Access allows employees to access a portion of their earned wages before payday without it being a loan, while Salary Advance is a loan from an employer or financial institution, often with interest or fees.

Yes, Incash is a leading EWA provider in Nigeria, offering employees instant access to their earned wages before payday. Unlike salary advances, Incash allows workers to withdraw what they've already earned without interest, helping them manage urgent expenses stress-free. The platform seamlessly integrates with employers, ensuring smooth transactions.