Flagship benefit

A payroll loan that pays itself from your salary

A loan deducted directly from payroll: no credit bureau, no cosigner and no fees, with terms of 3 to 12 months. Your company activates it as a benefit, at no cost.

Request informationRequest informationI am an employee
A payroll loan that pays itself from your salary

The rules, clear from the start

No credit bureauThe loan is granted without a bureau check. What counts is your tenure and your payroll.
No cosignerNo cosigner and no collateral. Your payroll is the backing.
No fees, no penaltiesNo origination fee, no hidden charges and no early-payment penalty. What you sign is what you pay.
Deposit in under 24 hoursOnce the loan is approved and your file is complete, the deposit lands in under 24 hours.

How it works

For your company

  1. 1

    Prequalify your people

    The company shares a layout with employee data and Roca prequalifies the credit line.

  2. 2

    Sign the agreement

    A simple collaboration agreement between your company and Roca. No cost, no fees.

  3. 3

    Withhold and remit

    Each period, Roca sends the deductions file; the company applies the withholding and deposits what was withheld.

For the employee

  1. 1

    Reach out

    By WhatsApp or email, with your proof of income. We tell you the amount authorized by your tenure.

  2. 2

    Process and sign

    You choose amount and term, send your documents and sign the application, promissory note and HR authorization letter.

  3. 3

    Get the deposit

    In under 24 hours, the loan is in your account.

Requirements

One year at your company. That is the requirement.

Documents you will need

  • INE, both sides
  • Proof of income
  • Bank statement with CLABE
  • Proof of address, 3 months old at most
  • Signatures: application, promissory note and HR authorization letter

Every loan improves your rate

The rate depends on the term and goes down with every loan you pay off. A returning client pays less than the first time.

First loan
Second
Third
Fourth
Fifth and beyond

From the first to the fifth cycle, every loan you pay off improves your terms.

Paid the way you get paid

The deduction follows your payroll calendar:

WeeklyEvery 14 daysTwice a monthMonthly
Are you an employee?

This benefit reaches you through your company

If your company already works with Roca, ask HR how to activate it. If not yet, share this page with HR: turning it on costs the company nothing.

I asked for it on WhatsApp on a Monday and it was in my account on Tuesday. Not a single line. The deduction runs itself and I never think about it.
Beto · Warehouse staff

Frequently asked questions

No. The payroll loan is granted without a bureau check: what counts is your year of tenure and your payroll payment capacity.

Nothing. The agreement has no cost, fees or monthly charges. The company only applies the payroll deduction and passes it to Roca.

In under 24 hours, once the loan is approved and your file is complete.

The loan does not disappear: a direct payment plan with Roca is agreed with you so your record stays healthy.

Yes. Many clients come back, and every loan you pay off improves your rate. From the first to the fifth cycle the terms keep improving.

Activate this benefit at your company

Request information with no commitment

Leave your details and an advisor will contact you within 24 hours

  • Zero cost for your company
  • Response within 24 hours
  • No commitment
  • Personalized attention

More benefits in the suite

Payroll advanceCard payoffAuto-backed loanMortgage creditHospital expensesFuneral assistanceInsuranceOccupational health NOM-035Business financing