Record salary advances and formal loans in ZamPay. Deductions happen automatically every payroll — no manual tracking, no missed instalments.
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Balances miscounted, deductions missed, employees disputing what they owe.
Without written authorisation, a loan deduction can be challenged under ECA 2019.
Employee resigns. How much do they still owe? No one knows.
Enter the amount, number of instalments, and start date. ZamPay generates a signed loan agreement PDF automatically.
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Every payroll run, ZamPay deducts the scheduled instalment — after PAYE, NAPSA, and NHIMA. The cap (default 25% of net pay) is enforced automatically.
See every employee's outstanding balance, repayment history, and instalment progress from the Loans dashboard.
Short-term, recovered from next payslip
Multi-month instalment plans with agreement
PDF created on loan creation, ECA 2019 compliant
Deducted from payroll run after statutory contributions
Configurable max % of net pay (default 25%)
Total issued, collected, outstanding, active loans
For employees on unpaid leave or suspension
Outstanding balance flagged automatically on employee exit
The Employment Code Act No. 3 of 2019 requires written employee authorisation for any salary deduction. ZamPay generates a signed loan agreement automatically on every loan or advance — satisfying this requirement without any extra steps. Deductions are applied after statutory contributions (PAYE, NAPSA, NHIMA) as required by law.
Free plan available. No credit card required.