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Human Resources · Employee Loans

Lend to your people.
Payroll collects it back.

Give employees loans and salary advances, approve each request, record the payout, and let payroll recover the installments from pay. Every balance and repayment stays on the employee.

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Employee loansLeah Chen

Loan for Leah Chen

Paid out Jul 24, 2026, first deduction Aug 2026

Active
Amount
$3,000.00
12 installments of $250.00
Repaid
$750.00
through payroll and payments
Outstanding
$2,250.00
still owed by Leah Chen
Next deduction
Nov 2026
from payroll
#Deduction monthInstallmentStatus
1 Aug 2026 $250.00 Taken by payroll
2 Sep 2026 $250.00 Taken by payroll
3 Oct 2026 $250.00 Taken by payroll
4 Nov 2026 $250.00 Scheduled
5 Dec 2026 $250.00 Scheduled
6 Jan 2027 $250.00 Scheduled
6 more installments
Illustrative sample records. Not a live workspace.

The life of a loan

Asked for, approved, paid out, paid back.

Every loan and salary advance is in one of these states. Nothing is deducted from pay until it is Active.

  1. Awaiting approval

    Requested. Nothing is owed yet.

  2. Approved

    Ready to be paid out.

  3. Active

    Paid out. Payroll takes the installments.

  4. Settled

    Repaid in full or settled early.

Or it ends early asRejectedCancelledWritten off

  1. Loans and salary advances

    Record a loan repaid in equal monthly installments, or an advance recovered from pay, with the amount, the first deduction month and a reason.

  2. Approval before any money moves

    A request waits for HR or payroll to approve or reject it. Nothing is owed and nothing is deducted until it is approved and paid out.

  3. Recovery through payroll

    Once paid out, payroll takes each installment from the first deduction month, and every repayment shows on the loan with its payslip.

What it covers

  1. Loans and salary advances

    Keep loans repaid in installments and salary advances recovered from pay on two tabs of one list.

  2. Request, approve, pay out

    Employees request their own, HR and payroll request for anyone and approve or reject, then record the payout date and method.

  3. Repayments from payroll

    Payroll takes each installment from the first deduction month. A repayment can also be recorded outside payroll.

  4. Early settlement and write off

    Pay off what is left in one go, or write it off with a reason. A write off cannot be recorded on your own loan.

  5. Who sees what

    HR and payroll see everyone, a line manager sees their reports read only, and everyone else sees their own.

How it runs

Three steps, one employee record.

An employee can ask for their own loan. HR and payroll can enter one for anyone, approve it, and record the payout.

  1. Request

    HR or payroll enters a loan or advance for an employee, or an employee asks for their own, with the amount, the number of installments and the first deduction month.

  2. Approve and pay out

    HR or payroll approves or rejects the request, then records the payout date and method. The payout is booked to the ledger.

  3. Recover and close

    Payroll recovers each installment. Take a repayment outside payroll, settle the balance early, or write off what is left with a reason.

Make it yours

Your policy, your records.

A few changes a business makes to employee lending, then the controls behind them.

  1. An internal reference

    Add a reference to each loan, such as a payroll or case code, and show it as a column in the list.

  2. Fields only HR fills in

    Custom field values are set by HR and payroll, so an employee asks for the money and HR adds the internal reference.

  3. A view for what is owed now

    Save a list view that shows the employee, the outstanding balance and the next deduction, so payroll can check it before a run.

Controls around employee loans

  • Fields and layout in Studio

    Add reference fields to loans and to salary advances, relabel and reorder their columns, and save the views HR needs. The amount, installments, balance and state stay protected.

    See Studio

  • Roles and permissions

    Decide who can see, create and change employee loans, down to records and fields, with custom roles.

    Every paid plan See Users and Roles

  • Agaro Agent

    Ask about your employee loans in plain language. The Agent asks before it changes a record, and it works within your permissions.

    Meet Agaro Agent

  • Your own custom modules

    When employee loans needs a neighbour Agaro does not ship, build a module with your own fields, workflows and records in Studio.

    Scale and up See custom modules

  • App Builder

    Build a website, document, slides or internal app next to your employee loans, described in plain words.

    Every paid plan See App Builder

  • Open API and MCP

    Connect your own systems, or let Claude and other AI clients work inside Agaro with the same permissions.

    Scale and up

Free covers one CRM user. Studio custom modules, AI agents, API and MCP, single sign on and multi company are on Scale and up. See plans and pricing. Agaro ERP is in Preview / Pilot, so you shape it directly with the product team.

Connected

Loans, beside the pay.

Employee Loans shares the employee record with Employees, takes its installments through Payroll, and books payouts and write offs to the same ledger as Accounting. Company borrowing stays in Loans.