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Loan Products || Salary Loan


  • Direct deduction of loan installments by employer or client must receive his/her salary through Adehyeman
  • Loan amount depends on net salary
  • Loan term ranges from 6 to 24 months
  • Quick disbursement (max 48 hours)



  • Low and competitive interest rates
  • Enjoy credit life insurance (death and permanent disability)
  • Quick loan disbursements
  • Simple loan assessments (no hassles)
  • Top-up loans
  • Rebate (interest reduction) on early repayment

Application Requirements

  1. 3 most recent pay slips
  2. National ID
  3. Staff ID or letter of appointment
  4. Employer must sign MOU to deduct installments at source payable to ASL or guarantee that client’s salary will be paid through ASL at least for the duration of the loan
  5. 1 guarantor (salary earner or business owner )
  6. 6 months bank statement (if any)


Exclusion List

  • Applicants under probation with their employers
  • Applicants who have less than a year to requirement


Early Repayment

  • In case of early repayment, the client will be required to pay the outstanding principal plus a month’s interest (excluding current month) whilst the rest of interest is waived off.
  • A client who qualifies for additional loan by virtue of positive loan adjustment or the existence of additional credit capacity to take more could easily apply for a Top up Loan.

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Basic Requirements

  • Prospective client should have an existing RoyalFlex or RoyalMax ...

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