Offer your employees transparent and fair salary loans. We handle everything—from disbursement to repayment, and credit tracking to credit building. You stay in control without being responsible for the loan.
Tell your Account Manager that you’d like to enroll in the program.
Share your employee details and indicate those who you’d like to qualify for Smart Salary Loans.
We will email qualified employees to invite them to join the program.
Employees may select their preferred loan amount and terms, up to their net monthly salary.
As their employer, you have the option to pre-approve their loans before we disburse the loan amount into their bank account or e-wallet within the next business day.
You will receive a Statement of Accounts consolidating all repayments due, 5 days before your scheduled payroll date.
You will need to remit the payment to us on the date of your payroll, and deduct the amount from your employee’s salary accordingly.
Asenso means progress or moving forward in life. It’s also what we call our 0% interest, purpose-based advance—designed to support meaningful investments in your future, in areas like education, healthcare, professional development, home repairs or urgent medical expenses and more.
These purchases may include, but are not limited to, learning materials such as books, seminars, conferences, formal education, skills training, health and wellness services like doctors’ consultations, treatments, procedures, medicines, gym or sports memberships, fitness equipment, and other similar items.
First Circle reserves its final discretion on these loan applications.
Consult your HR or First Circle account manager to check if your planned purchase is covered by the company’s accepted categories.
Details for the expenditure must be forwarded to First Circle, and will be paid directly by us.
Absolutely. Employees may avail of the Asenso Advance loan to benefit family members within the first degree of consanguinity, ie. your spouse, your parents or your children.
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