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Products & Services - Women & Widows
Glory Salary Advance Scheme (GSAS)
 

Glory Salary Advance Scheme is designed to address the temporary cash inadequacies experienced by employees of several organizations as a result of unseen contingencies. This product will act as a temporary stopgap for up to 75% of the beneficiaries’ monthly salary. Two variants have been designed to give beneficiary a choice.

Variant A - Direct Salary Advance

Direct facility – An overdraft line is automatically set up in the salary account of the beneficiary as the salary account is opened. The credit advance will be available to the beneficiary whenever he desires to draw down up to a maximum of 50% of his monthly salary with a monthly clean up cycle. An annual registration fee of N5, 000 must be paid to become a beneficiary of this product.

Variant B -Extended Salary Advance

Extended Salary Advance – the beneficiary is availed up to a maximum of 75% of his monthly salary which can be repaid up to 3 installments over 3 months salary. To qualify for this variant, the beneficiary is required to apply by completing the required application form through his account officer.

 
 
  Features
Variant A
  • One year overdraft line of up to 50% of beneficiary’s net monthly salary.
  • Unlimited frequency of drawn-down up to a maximum of 50% 0f net monthly salary.
  • No collateral
  • Letter of comfort from his employer
  • Domiciliation of salary
  • Negotiable interest rate

Variant B

  • Advance 75% of beneficiary’s net monthly salary
  • Maximum of three (3) months installmental repayment plan
  • Product is one-off and renewable on conclusion of any running credit
  • No collateral
  • Letter of comfort from his employer
  • Domiciliation of salary
  Benefits
Variant A
  • Avail 50% of net monthly salary when required
  • No notification prior to draw down
  • Cyclical drawn-down and repayment possibilities
  • Eases beneficiaries cash flow projection

Variant B

  • Avail 75% net monthly salary in advance on application
  • Short processing time
  • Availability of 3 months installment repayment
  • Eases beneficiary’s cash flow projection
  Check List
  • Be a confirmed staff of his/her employer.
  • Complete the GSAS Registration Form
  • Complete the GSAS application form (applicable only to the Extended Salary Advance
  • Provide all required documentations
  • Obtain letter of introduction from his employer.
  • Submits copy of last 3 pay slips (applicable only to new account holders).
  • Salary domiciliation is a must for availing of GSAS. Where salary is not domiciled, MD’s approval is required to use post dated cheques in lieu of salary domiciliation.
  • Salary account should have been operational for at least 3 months.
  Application form
 
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