Financial freedom, powered by your salary
Your salary is the only qualification you need. Access credit, earned wages, and a full shopping marketplace tied directly to your pay. Repayment is automatic. You never miss a payment.
Payment Sent
School Fees
Your salary is your credit
Informal lenders start at 15% a month. Phela partners max out at 5%. The difference is the payroll anchor.
- Salary-Based Approval
We look at your salary and your employer, not your past. We do not punish you for history. We use it to close the gaps that got you there.
- Always On Time
Repayment leaves before your salary arrives. You build a clean CRB record automatically, without thinking about it.
- Automatic Deductions
No due dates. No reminders. No late fees. It works.
- No Hidden Fees
The full cost is shown before you accept. What you see is what you pay.
We fund it all.
From everyday needs to big purchases, access everything through your Phela marketplace.
One marketplace. Everything you need.
Browse, buy, and pay from salary, all in one place.
Samsung Smart Fridge
2,400,000 UGX
Pay from salary
Buy now. Pay from salary.
Shop everything from daily essentials to luxury items on the Phela marketplace. Pay using BNPL or financing, with automatic salary deductions. Up to 12 months. Instant approval.
- BNPL or financing, your choice
- Up to 12 months repayment
- Auto salary deductions, no manual payments
- From essentials to luxury, browse by category
Buy now. Pay in four. Zero interest.
Split any purchase into 4 equal salary deductions at 0% interest. No credit card. No stress. Just your payroll.
0% Interest
The cost is zero. Four installments, nothing added.
4 Equal Installments
Deducted from payroll automatically each pay cycle.
Available on Everything
Groceries, appliances, school fees, and more.
How it works
Four steps from sign-up to spending.
Your Employer Gets Onboarded
Your company partners with Phela. The payroll connection is set up on their end.
You Get Invited
You receive a direct invite. No searching, no cold applications.
You Get Onboarded
Set up your profile, verify your details, connect your salary. Takes minutes.
You Are Live
Access the marketplace, apply for credit, start spending. Repayment handles itself.
Your employer not on Phela yet? Refer them here.
Your data is protected. Deductions are capped at 33% of net pay. You stay in control.
Your employer is not on Phela yet?
Send them a referral. We handle the pitch, the onboarding, and the setup. You just forward the link.
Refer Your Employer