Karma supports the financial wellbeing of employees

We help improve productivity, retention and engagement
Using the Karma Salary Advance your staff can access interest and fee-free advances of up to £300
Why Karma is unique

0% Interest
0% Fees
0% Charges

We don't charge any interest or fees so you don’t have to worry about your employees building up debt. 

Learn more

Salary advance of up to £300

Sometimes your employees need a little helping hand to make it through the month.

Karma helps employees avoid unfair interest, fees and charges and gives them early access to their pay which they can spend at many retailers.

Learn more

Major brands to meet every need

Karma gives you access to many of your favourite high street and online brands.

If your employees don't see a brand they need, they can suggest it in the app and we'll work hard to make it happen.

See all the brands

Effortless repayment

Your employees don't have to remember to repay. Everything is setup for them and repayment is processed automatically. Truly effortless.

Learn more

Key Benefits

Avoid unfair interest

Karma is a better alternative to expensive forms of short term credit

Effortless repayment

Karma automatically recover any money owed directly from your employees' next pay

Major brands

You can use Karma at many well known high street and online retailers

No impact on credit score

Karma doesn't affect your employees' credit score or history

Private and secure

Karma doesn't sell or share data so it's safe and secure with us

Here to help

Support is available on the app via chat, web form or phone


A Lifesaver

“Before being introduced to Karma I did find myself in some financial difficulties and ended up having to borrow money from friends or family. Then, when that wasn’t a viable option anymore, I would borrow via payday loans/lenders or using credit cards with high interest rates. Having been introduced to Karma I was able to gain peace of mind knowing that I was only paying back whatever I spent – no interest and no impact whatsoever on my credit score. It is quick and easy to use and there are a wide range of vendors available.”

William M.

A Credit Blessing

"I’ve had bad experiences with pay day loans in the past so being able to access Karma really is a blessing to me, especially since it doesn’t affect my credit file either."

Jodie D.

A True Help

"The reason I’ve personally continued to use Karma is that prior to using it I admittedly didn’t have the best budgeting skills and the way the app is laid out shows clearly what I’ve spent on certain items during the month and it also gives me a perspective of what the difference is in my spending from month to month – this shows me if I’m maybe spending more money in a specific month which enables me to see if there are any reasons for this – which in turn enhances my budgeting for the month."

Shelia G.

Simple, free and secure

No integration

There are no integrations to payroll systems required and there's little impact on standard payroll process. Simply process payroll into the employees designated account as usual

No fee or charges

Karma doesn't charge employees or employers. We know employers want to do the right thing and so do we. That's why we don't charge anyone to use or offer the platform

Private and secure

Karma doesn't use employers' or employees' data and information for any other purpose than providing employees with the advance

Interested in offering Karma to your employees? 

Join KarmaRequest a demo

Has your employer signed up?
Download the Karma app