Frequently asked questions

We know you have questions, in fact, we know what everyone asks. Here are some Q and A’s for you.


To apply for a GettaSub, you must confirm that:

  • You are aged 18 or over;
  • You have had a permanent contract with your current employer for a minimum of 6 months
  • You aren’t currently serving your probation or notice period;
  • You have not currently entered into an Individual Voluntary Agreement (IVA) / or a debt management programme
  • You are borrowing for your personal needs and not for business purposes, towards the purchase of a property or speculative investment;

You need to complete an application online which can be found here Apply Now

All loans are capped at 25% of your net monthly salary. As a responsible lender we believe by capping loans provide a gateway; to borrowers managing financially to the end of the month – we do not encourage long term debt. Under the TCF rules we have to carefully consider how we lend and to ensure affordability.

As repayments are secured by salary, the risk of an employee defaulting is reduced and in turn we can offer our customers better rates. Our rates are fixed at 5% per month, with no hidden fees or costs which makes us considerably a lot cheaper than rates offered by traditional short-term lenders.

Typically, all loans are repaid in full within 30 days, we do however allow the borrower to spread repayment over two months to reduce any potential strain of repaying. Where this occurs the interest (which is charged at a daily rate) is charged up to the point of 1st repayment date on the whole balance. Then if a borrower reduces that balance by 50% the daily rate of interest is charged only on the reduced balance.

GettaSub provide the salary advance program as an employee benefit, so we partner with employers like yours to allow you access to our low interest loans.

GettaSub do not share any details of your credit profile with your employer. All we will share with them is the amount to be deducted from your salary.

No there is no financial benefit to an employer. GettaSub partner with employers such as yours to help employees access short term finance that doesn’t affect your credit score. As our loans are paid back in full via salary deductions, we are able to offer loans at a much lower interest which in turn benefit the employees.

As loans aren’t given based on your credit profile or offered directly but via your employer, we take just your initial details from you to contact your employer. In most cases employers are onboarded within a short period of time. However, it must be stated that is out of GettaSub’s control as we can onboard an employer within 24 hours.

Once your employer is onboarded, we will contact you via email to complete the loan application. Unless you are bankrupt or have entered into an IVA, you will automatically be approved as loans aren’t given based on your credit profile. Then you’ll need to log into your GettaSub account to confirm and accept the loan, read the loan information and accept the Credit Agreement.

This means your payments will be deducted from your salary and paid directly back to GettaSub via your employer

There is no need to notify your employer, we do notify your employer each month of the payment to be deducted from your salary after tax

When you accept the loan, your repayment is set up to from the following month’s salary. For example, if you were to accept your loan on the 15th January, we’d take your first repayment from your February’s pay-check not January’s.

We collect these details as part of the application process to process your loan in case you leave your current employer or if in case your employer fails to make any deductions. If this happens, we will always be in touch with you before collecting any money.

• Borrower applies via employer (website or direct via our app.
• Approval from employer that an employee’s information provided is correct
• Funds are transferred to Borrower. (BACS payment or e-wallet)
• All loans are collected on the employee’s next available payroll cycle
• Then repaid on the next working day to GettaSub from the employer

If your employer fails to deduct payment, we will let you know and collect such payment through Direct Debit. Next time you take a loan you will move back to payroll deductions

Sorry, we can’t take loan applications by phone. However, we can help if you have any questions about our online service – call us on 0330 124 1567

Please get in touch and we’ll do our best to sort out any problems you feel you may have
Email us at or call us on 0330 124 1567
Alternatively, if you are still not satisfied you may contact the Financial Ombudsman using the details below:
The Financial Ombudsman Service Exchange Tower London E14 9SR
Telephone Number: 0800 023 4567 or 0300 123 9123