A fair alternative to payday loans

These are companies who are customers of Edenred and who have decided to enable this benefit to their employees.

They have signed a contract with Klear to facilitate the process of taking and repaying it.

You need to be under labor contract and to have already received your first salary.

Are excluded employees in the process of terminating their labor contract, employees in long term leave and employees having a salary pledge.

You need to identify yourself with your names, EGN, pictures of your ID card front and back, and a selfie where we can clearly see you showing to the camera the front of your ID card.

Your IBAN is also necessary to match you in the file regularly received from your employer.

It depends on your company and on your salary.

Тhe maximum amount you can take is up to 50% of your net salary. Why? Because it would not be reasonable to take more as you need to keep money for the expenses of the following month.

It’s free for you. Your employer pays for you a fee proportional to the amount you received.

You can only have one active Advans at a time per month.

The money is sent directly to the bank account where your salary is paid.

You have nothing to do. Your employer will send us directly the amount due. It will be deducted from your next salary.

If your next salary is not enough to cover the Advans repayment because, for example, you left the company or entered in long term leave, we will contact you to arrange a direct payment by you.

No. We have designed a secured process which does not require your employer to send us personal data without your consent.

What we receive each month from an employer is an anonymous list of the employees with the salary, the internal employee number and your IBAN. No name, EGN, email, phone, … Nothing which would let anyone know who is behind each row.

When someone requests an Advans to Klear, he identifies himself and provides his IBAN. We then match this IBAN in the list, get the salary and define the maximum amount available.

This is a simple credit agreement which stipulates the main rights and obligations like the amount, and the conditions to return the money.

Yes. Advans is a credit product, which will be reported to the CCR. Indeed, it will help you to build or to strengthen a positive credit history.

If you took an Advans and leave your company just after, the amount should be deducted by your employer when they calculate the final payment due to you. Check with them that they don’t forget the sum because otherwise you would have to take care of the repayment by sending us directly the amount.