Protect Your Biggest Asset: Your Employees

Salary Access is a voluntary emergency loan program to assist employees with limited access to cash, loan options, or other traditional forms of credit.

Protect Your Biggest Asset: Your Employees

Most Innovative Voluntary Employee Payroll Product

Emergency Loans

Emergency Loans

Quick funding loans to cover employees financial emergencies at low rates.

Salary Advance

Salary Advance

A program that allows employees to receive a partial paycheck advance with 0% interest rate.

Resources & Rewards

Resources & Rewards

Financial resources and tools so employees can improve their personal finances. We reward our customers who learn.

Employee Credit Monitoring

Employee Credit Monitoring

We offer our customers a complimentary credit monitoring program as an aid to foster financial stability.

Learn more about the Salary Access program and receive the full list of benefits for you and for your employees

One of our representatives will email you with more information and complete program details.







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    Many take advantage of financially challenged employees, we protect them

    Many employees are unprepared for short-term cash needs which translates to poor job performance and lack of motivation.

    We offer an innovative benefit that enables your organization to dramatically improve your employees’ financial well-being and help them lead a more productive and happier life.

    We protect them from:

    • Family emergencies
    • Auto emergencies
    • Newborn emergencies
    • Uncontrolable catasthrophe
    • Health emergencies
    • Home emergencies
    • Bill emergencies
    • Natural disaster
    Salary Access

    Employees need quick access to money, and traditional lending facilities are not meeting their needs

    Simple & Quick!

    Simple & Quick!

    • The application is available every day 24/7.
    •  Employees can apply from any device.
    •  We offer digital signatures to speed up the process.

    Convenient!

    •  Loan repayments are done via innovative payroll deduction.
    •  We offer our customers call, email or chat support.
    •  Our application process is available English or Spanish.

    Unique!

    • Fast Approval Process.
    •  Same day funding available².
    •  We don’t require employees’ FICO credit Score¹.
    •  There are no prepayment fees.
    •  An opportunity to boost employees’ credit & history.
    •  Reasonable Payments.

    Our Competitive Advantage

    Fast Approval Process²

    Fast Approval Process²

    Our loan application & approval process list is fast and convenient.

    No Impact to FICO¹

    No Impact to FICO¹

    FICO credit scores are NOT impacted when applying for our loan programs.

    No Prepayment Fees

    No Prepayment Fees

    We will not charge you any prepayment fees.

    Build your Credit History

    Build your Credit History³

    Payments are reported to the top 3 credit bureaus.

    Same Day Funding²

    Same Day Funding²

    We offer same day funding for qualified customers.

    Reasonable & Worry Free Payments

    Reasonable Payments

    We will help you set up repayments so you don’t have to worry about payment reminders.

    We are here to help!

    Protect your employees from having limited alternative lending solutions. Employee demand for this benefit is bigger than you think!

    47% of U.S. consumers have less than $400 to cover unexpected expenses¹

    60 Million Americans lack credit access²

    8 of 10 Americans live paycheck to paycheck³

    Frequently Asked Questions

    Employees can improve their financial and emotional well-being with no risk or cost to your organization. Salary Access is a win-win model for employees and employers. For more information please contact us at 888-287-9483 or email customerservice@accessloans.com.
    We provide a simple, turn-key solution for implementation and ongoing maintenance resulting in very little time or effort for employers. Our solution requires employers to send us a Census File in order to set up the payroll deduction process. We also provide employers with a communication tool kit to help them promote the benefit to their employees.
    Benefits include: NO liability or risk from the program implementation or ongoing operation. Loans proceeds are NOT considered income via 1099. Employers will NOT be a guarantor or secondarily liable in any manner for the repayment. NO cost for offering this voluntary emergency loan benefit. NO responsibility for any past-due loans or any sort of debt for all such loans, including the participants that are no longer associated with the employer (voluntary resignation, involuntary termination, death, disability, etc.)
    • Improve turnover and employee retention
    • Increase employee productivity, morale and loyalty
    • Creates an HR competitive advantage for recruiting good candidates
    • Reduced absenteeism and improves overall stress/health
    • Plug-and-play onboarding (no risk, no cost, low time management required)

    Customer Reviews are Proof of Excellence