The Best Way to Write a Salary Advance Letter

Someone facing financial difficulties may benefit from salary advances. A salary advance is a convenient way for workers to overcome a temporary setback without taking out a bank loan. When and how you should ask for a salary advance, need to be considered if you are thinking about asking for one. This article aims to explain what salary advances are when you can request one and how you should do so.

What is a salary advance?

When your employer gives you a portion or the whole of your future paycheck before your usual payday, it is called a salary advance. Salary advances result from a private loan agreement between your employer and you. Employers have different policies for handling salary advances. Salary advances are not something to be taken lightly, and the process of obtaining one requires tact and thought.

When to request a salary advance?

Employees are only granted salary advances if they experience a financial setback, such as a family emergency, bereavement costs, or uninsured medical bills. You should only consider a salary advance if you have already exhausted other options, such as borrowing from a family member or selling some of your valuables. In addition, if possible, you should not request an advance on your salary more than once. It’s best not to take salary advances as a habit from a generous employer.

How to write a request for an advance salary?

It’s important to respect your employer and preserve your working relationship by understanding how to ask for a salary advance. Here’s what you should do:

Follow company procedures

Employees may have to complete a form to submit to the payroll or human resources department, depending on the company. An advance request letter may be required if a form is not available. 

Employees at some companies must initiate correspondence with their supervisor, who decides whether to pass it on upwards. After that, you will review your payroll advance records. The salary advance you request cannot exceed the amount of your next paycheck, and salary advances are usually limited to once a year.

Provide compelling reasons

Be concise, polite, and direct when drafting a salary advance letter. The date should be inserted, and you should be addressing the letter to the appropriate person, such as your supervisor or department director. Explain the reason for your salary advance request in the first paragraph. Planned or recurring events do not usually cause emergencies. To qualify, you must describe dire circumstances, such as a significant home repair due to a storm, travel to funerals for grief, or vehicle repairs as your only means of transportation. It should be noted that this hardship is a one-time event arising from extraordinary circumstances.

Specify requested amount

Please tell us how much you request in the second paragraph of your letter. Make sure you ask for a reasonable amount based on your circumstances. If your vehicle needs emergency repairs, ask your mechanic for an estimate and attach it. It would be best if you also told us how you intend to repay the money, for example, by payroll deduction. Be sure to mention in the letter if you will be able to repay the entire advance by your next payday. You should indicate when you plan to make the payment and how you plan to do it.

Express appreciation

Please express your appreciation for considering your request in the letter’s conclusion. Please indicate that you will be glad to provide additional information upon request. Check your letter for errors and make needed corrections. Alternatively, if you’re using a standard request form instead of writing the letter, fill out the form completely, sign it, and get the necessary signatures.

Final thoughts 

Company policies determine advance salaries. Although it is common for employees to request advance salary whenever needed, it does not mean it is mandatory. Please make sure that you thoroughly check your company’s policies before sending an advance salary request letter to avoid any inconvenience. The next step becomes easier after you confirm that your company’s advance salary facility is available.

Are you interested in purchasing our HR and payroll administration software? It comes with all the possible requirements you and your employee will need. For more information, don’t hesitate to get in touch with us at +91 86910 55001.


We are glad that you preferred to contact us. Please fill our short form and one of our friendly team members will contact you back.

Schedule a Demo

Give us a few details to customize your demo
Request a Demo