Remita Loans: repay automatically from your salary at source
If your salary or allowance is paid through Remita — as it is for most federal workers and corps members — you can access loans that repay themselves by automatic deduction. This page explains how the mechanism works and who qualifies.
What is a Remita loan?
Remita is the payment platform the federal government and many state governments and large employers use to pay salaries and allowances. A Remita loan uses that platform in reverse: when your salary is processed each month, your loan instalment is deducted at source and sent to the lender before the balance lands in your bank account.
Because the deduction happens automatically at payroll level, lenders treat Remita-paid borrowers as very low risk — which typically means higher loan amounts, longer tenures and better rates than an ordinary personal loan. You never have to remember a due date, and you can never accidentally spend your instalment.
How the deduction works, step by step
1. You authorise a mandate. During application, you approve a Remita salary deduction mandate for a fixed monthly amount and tenure. You see the exact figures before you sign.
2. Payroll runs as normal. Each month, when your employer processes salaries through Remita, the platform routes your instalment to the lender first.
3. The rest reaches your account. Your salary minus the instalment arrives in your bank account on payday, exactly as scheduled. When the tenure ends, the mandate simply expires.
Who is eligible?
- Federal or state government workers paid through Remita (IPPIS and similar payrolls)
- NYSC corps members whose allowance flows through Remita
- Private-sector employees whose companies run payroll on Remita
- At least [6] months of consistent salary history and [6+] months to retirement/contract end [confirm]
Not paid through Remita? See Federal Government Loans for other payroll-based options or Business Loans if you are self-employed.
What you will need
Proof of employment or service
Last [3–6] months
NIN, passport or driver’s licence
The account Remita pays into
How to apply
- 1. Confirm your payroll runs on Remita and check eligibility online.
- 2. Upload your work ID, payslips and BVN details.
- 3. Approve the deduction mandate, accept your offer, receive funds.
Remita Loans FAQs
Can the deduction take my whole salary?
No. Instalments are capped at a share of your net monthly pay, and the cap is applied when your offer is calculated. The mandate cannot deduct more than the agreed fixed amount.
What happens if my salary is delayed?
The deduction only fires when the salary is processed, so a payroll delay shifts your instalment rather than creating a missed payment. Persistent delays should be reported to support.
Can I cancel the mandate?
The mandate runs for the loan tenure you agreed to and ends automatically once the loan is fully repaid or settled early. It cannot be cancelled unilaterally while a balance remains — that is what makes the low rates possible.
Is this the same as an IPPIS loan?
They are closely related. IPPIS is the federal payroll system; Remita is the payment platform it settles through. If you are on IPPIS, you are generally eligible for Remita-based lending.