Payday At Your Fingertips!
Zero cost to the employers, financial access to employees at their fingertips!
Responsible alternative to Pay Day Loans - Zero Interest!
ZERO cost to employers
Seamless onboarding for employers and employees
Plug-and-Play HR setup
Unlock The Access To Your Earned But Unpaid Salary With Credex!
The Ultimate Earned Wage Access (EWA) Solution
Say goodbye to financial stress and hello to increased productivity at work - empowering employees like never before.
Have the flexibility to access your salary when you need it. Whether to cover unexpected expenses or have more control over your finances, Credex got you covered!
Unlock Your Earnings: Introducing Credex, The Earned Wage Access Mobile App
Easy To Use Credex Mobile App!
The Ultimate Earned Wage Access (EWA) Solution
Quick and seamless registration
In app withdrawal of earned salary
Track withdrawal history
Track withdrawal status
View available balance for withdrawal
Download withdrawal statements
Don’t Miss Out, Download The App Now!
How Does Credex Work?
Employers partner with Credex as their EWA provider
Employees download goCredex App and sign-up
Employees can access their earned salary
Employer deduct withdrawn earned salary from the next paycheck
Why Use Credex?
Financial Flexibility
Helpful in the case of unexpected expenses that requires immediate access to funds for the employees
Interest-Free Financial
Facility
Responsible alternative to Pay Day Loan as a method of financial aid
Reduced Financial
Stress
Ease some of this stress by providing employees with a safety net and greater control over their finances.
Budgeting and
Financial Planning
Employees can plan and budget more effectively, ensuring that bills are paid on time and avoiding late payment fees.
Enhanced Employee
Satisfaction
Improve employee retention and as part of Environment, Social and Governance (“ESG”) initiatives
Zero Cost To
Employers
Solve one of the biggest issues at workplace for the employees at no additional cost
Have Enquiries? Let Our FAQs Help You!
Earned Wage Access (EWA) is a benefit which allows employees to access their earned salary before payday.
EWA works with your employer to allow employees to access a portion of their earned salary before payday . Requested funds ( if any) by the employee will be deducted from the months salary.
EWA can be used for various purposes, including emergencies, recurring expenses, or discretionary spending. However, it's essential to use EWA responsibly and consider the impact on your overall financial well-being.
EWA can benefit employers by reducing financial stress among employees, increasing productivity, improving employee retention, and enhancing overall workforce well-being.
EWA is not a loan. EWA allows employees to access a portion of their earned wages before the payday. When employees access their earned wages early through EWA, they are essentially accessing money they have already earned.
Unlike a loan, EWA does not involve borrowing money that needs to be repaid with interest. Instead, the amount accessed through EWA is deducted from the employee's upcoming paycheck on the regular payday. Therefore, EWA can be seen as a more flexible and convenient way for employees to manage their cash flow without incurring debt or interest charges.
Companies/employers need to register with Credex first. Employees then need to register with Credex through the Credex mobile application which can be downloaded from Google Play, Apple App Store, or Huawei App Gallery. Don't worry, we have simplified the registration process. We promise the process will be completed quickly!
There is NO cost to employers to include EWA in your employee benefits.
A minimal transaction fee is incurred when a withdrawal is made.
You will receive your withdrawal request within 24 hours, excluding weekends and public holidays.
Please note that requests made on weekends or public holidays will be processed on the next working day.
Need More Answers?
We're always open for more questions!
Contact us and we will answer you promptly!