RCBC Payday NOW is a salary advance facility that enables RCBC Payroll account holders* to instantly receive in advance a portion of their next salary via the RCBC App. This provides immediate and affordable access to cash during employees’ petsa de peligro, emergencies, or when incurring expenses that cannot be covered by their available funds.

Benefits for Employees

RCBC Payroll account holders* can advance up to 40% of their monthly salaries easily and receive the funds in real-time!
  • Ease
    Hassle-free via the RCBC app and payment made easy by automatic salary deduction.

  • Affordability
    As low as Php125 or 3% of the loan amount whichever is higher.

  • Speed
    Receive the funds in just a few seconds.

*RCBC Payday NOW is available to pre-qualified RCBC Payroll Account holders. Eligible clients shall receive an SMS/Email or see an offer in the RCBC App.


Benefits for Employers

Give your employees access to instant salary advances!

  • Hassle-free onboarding
    No company accreditation needed.

  • No additional steps or changes in your existing payroll process
    There will be no administrative tasks since applications and repayments will go through the RCBC App.

  • Enhanced employee benefits
    Helps your employees gain access to additional funds.

For companies interested to open an RCBC Payroll relationship, contact RCBC Credit Relationship Managers by sending an email to SLAccreditation@rcbcbankard.com.


Here’s how RCBC Payday NOW works via the RCBC Pulz App:

  1. Log in to the RCBC Pulz app. Click the "Loans tab, tap "Link/Apply my Loan" > "Apply for a new loan" and select "RCBC Payday NOW".
  2. Set the amount you want to avail. Slide to agree and enter your OTP to complete the transaction.
  3. Wait for a confirmation and you're done! The amount will be deposited to your RCBC payroll account in just a few minutes.


Frequently Asked Questions