Earned wage access

With earned wage access, employees can ask for part of the pay they’ve already earned this month before payday. The advance is lent by Noddit Lending, not by you or by Cadre. It’s taken back from the employee’s next pay as its own line after tax.

In Cadre, employees see this as Get paid early, and the payroll screens call it Early pay.

Who prices an advance

Noddit Lending decides whether to lend and what it charges. Cadre shows the employee Lending’s offer exactly as Lending gives it: the amount, the charge as a percentage and in Naira, the total to repay, the repayment date and when the offer expires. Cadre never calculates, rounds or adds to a charge. It also refuses to show an offer it can’t stand behind, for example one that would take back more than the employee has earned, or one due after payday.

Switch it on and set your limits

Who can see the earned wage access settings: Owner, HR admin, Payroll admin, Payroll approver.

Only owners and payroll admins can change them.

Go to Settings → Earned wage access.
Switch on Employees can get paid early.
Set the Limits:
- Most of the pay earned so far (%): the share of pay earned to date an employee may take.
- Smallest request (₦) and Largest request (₦).
- Most in a month, per person (₦) and Requests a month.
- Payday (day of the month), and No requests in the last … days before payday.
- Lowest take-home after a repayment (₦): your own floor under net pay, on top of the law’s limit. 0 for none.
Choose Who can use it:
- Days in service first.
- Contract types: Permanent, Fixed term, On probation and Seconded. Contractors aren’t on payroll, so they can’t use it.
- Confirmed staff only (nobody on probation).
- Nobody serving notice. Someone with a leaving date inside the month is always refused.
Choose How pay earned so far is counted:
- Calendar days: days employed up to yesterday, less unpaid leave and unexcused absence, as the payroll run counts them.
- Approved time: only days up to the last approved timesheet. People whose time isn’t tracked are counted by calendar days.
If you’re an agency, switch on the Worker groups whose seconded and outsourced workers may use it. Your own staff follow the main switch.
Choose Save.

Cadre applies your limits before it asks Lending, and Lending may apply its own. An employee also can’t ask once the month’s run is locked, if they have no pay or no account to be paid into, or while they already have an offer open.

The Earned wage access settings: the switch, the limits, who can use it, how pay earned so far is counted and the worker groups

What employees do

Employees opt in for themselves, usually on their phone:

My wallet (optional): an employee can open their own Noddit wallet and choose how much of their net pay goes into it. The rest goes to their bank account. The split applies only when salaries are paid through Cadre. With a bank file, all of net pay goes to the bank.
Get paid early: the employee sees how much is available and how it was worked out, asks for an amount, reads Lending’s offer and accepts it by ticking the consent. The consent includes their authority for you to deduct what Lending says is due from their next pay. Lending then pays the advance to their wallet or bank account.

Cadre works out how much each person has earned so far from the payroll calculation: their net pay for the full month, for the days earned so far.

Taking an advance back in the next run

When you calculate the next run, Cadre takes back every advance that has been paid out and is still owed, at the figure Lending says is due. It appears on the line and the payslip as Earned wage advance repayment (Noddit Lending).

It’s deducted after tax, pension and NHF. It’s not income and not a relief, so PAYE, pension and NHF are exactly what they would be without it.
It’s limited by law. All deductions other than tax, pension and NHF can’t be more than a third of the month’s wages (Labour Act, s.5). Cadre applies this to every employee. It also never takes net pay below your floor.
Whatever can’t be taken this month is Not covered. The line shows a warning, the amount is still owed, it’s taken from the next run, and Lending is told.

The run’s Early pay tab shows, for each person, what was Due by Lending’s figure, what was Deducted, what was Not covered, whether it has been paid to Lending and whether Lending has been told.

When the run locks, the repayments are fixed. If Lending later lowers what’s owed, the over-deduction is flagged to be refunded in a later run. The locked run isn’t edited.

Paying Lending

If you pay salaries through Cadre, each repayment is paid to Lending’s collection account in the same release as the salaries, by the same second person. See Pay salaries.
If you pay by bank file, pay the salaries and pay each repayment to Lending’s collection account. Then, on the run’s Early pay tab, choose Record paid outside Cadre and enter Your bank’s payment reference.

Who can record a run paid outside Cadre: Owner, Payroll admin.

Once the repayment has reached Lending and the employee’s pay has arrived, Cadre tells Lending what was due, deducted and still owed.

Leavers

If someone’s leaving date falls in the run’s month, that run is their final pay. The advance is taken back as far as the law allows. Anything still owed after that is handed to Lending’s collections, and Cadre takes nothing more.

The Early pay report

Who can see advances still owed: Owner, Payroll admin, Payroll approver.

Payroll → Early pay lists the advances still owed for a Pay period: Advances, Lent, Owed (Lending’s figure) and Still to take back. For each advance it shows when it was taken, what was lent, what Lending says is owed, what has been taken back, what is still to take, and the repayment date. Someone who is leaving is marked Leaving.

Cadre checks Lending’s figures regularly. A payroll admin can choose Ask Lending what is owed to check now.

The Early pay report showing advances still owed for a pay period, with what was lent, Lending's figure, what has been taken back and what is still to take

Who sees what

An employee sees only their own wallet, offers, advances and repayments. Everyone else’s advances are pay data, seen only by owners and the payroll roles. Notices and emails about early pay never carry an amount, a charge or an account: those are in Cadre.