Get paid early

Get paid early lets you take part of the pay you have already earned this month, before payday. The money is lent by Noddit Lending. It is taken back from your next pay.

Who can ask for early pay for themselves: every member, for themselves.

Open the menu and select You → Get paid early.

How much you can take

Available now shows how much you can ask for today. Cadre works it out from the pay you have earned so far this month, and shows how:

Earned so far this month: your pay for the days you have worked so far this month.
You can take: the share of that you are allowed, set by your employer.
Payday, and the date from which you can’t ask any more before payday.
Requests left this month.
Still to repay: early pay you have not paid back yet.

If you can’t ask for early pay at the moment, Cadre lists the reasons, for example that this month’s payroll has already been locked.

Get paid early on a phone, showing the amount available now and how it was worked out

Ask for early pay

Noddit Lending pays early pay into your Noddit wallet, so open your wallet, or link the Noddit account you already have, first. See Your wallet.

Under Ask for early pay, type the Amount (₦).
Select See Lending’s offer. Noddit Lending may take a moment to decide: Cadre says Noddit Lending is deciding until it has.
Read Noddit Lending’s offer: You get, the Interest (a percentage a month, and the amount), Lending’s fees, Total to repay, Lending’s due date and Lending’s loan number.
Read the terms, then tick the box to accept the offer and authorise your employer to deduct it from your pay.
Select Accept.
Sign the loan agreement (below). Nothing is paid until you do.

If you don’t want the offer, select Decline: nothing is owed.

Sign the loan agreement

After you accept, Sign the loan agreement appears at the top of the page. Noddit Lending pays your early pay only once you have signed its loan agreement. Your acceptance in Cadre and Lending’s agreement are both needed.

Select Open the agreement to sign. Noddit Lending’s signing page opens in a new tab.
Sign as the borrower, then come back to Cadre.
You sign twice. Noddit Lending also names you as your own guarantor, so open the agreement again (select Get a link to sign if the button has gone) and sign a second time, as guarantor.
Come back to Cadre. It shows You have signed while Noddit Lending completes the agreement, and then pays your early pay into your wallet. Cadre tells you when it arrives.

The signing link is yours alone and works for a few minutes. Cadre asks Noddit Lending for a fresh one every time you open the step, and never sends it by email or in a notification. Cadre also tells you, without any amount or link, when the agreement is ready to sign.

Cancel before signing

Until Noddit Lending has completed the agreement, you can select Cancel early pay, then confirm. Nothing is paid out and nothing is owed, but Noddit Lending keeps the fees it took when you accepted. Once the agreement is complete, it can no longer be cancelled: the money is on its way, and it is repaid from your pay.

Why the charge comes from Lending, not Cadre

Noddit Lending lends the money and sets the charge. Cadre shows its offer exactly as Lending made it. Cadre does not set, round or change the charge or the total. Cadre only records what you were shown and what you agreed to.

How it is paid back

Once the agreement is signed, Lending pays the money into your Noddit wallet. Cadre tells you when it has been sent.
On your next payday, the amount Lending says is due is taken from your pay. It shows on your payslip as Earned wage advance repayment (Noddit Lending).
It is taken after tax, pension and NHF, so it does not change them.
Cadre never takes more from one month’s pay than the law allows. Anything it can’t take that month is taken from the following pay.
If you leave your job, what you still owe is taken from your final pay as far as the law allows. Anything left is then passed to Lending to collect.

Your early pay lists each advance and its status. Taken from your pay shows each repayment.