QMS works closely with each employer to establish credit-granting guidelines that are tailored to the employer’s specific requirements and workforce. We recognise that every employee has unique financial circumstances and believe that each loan application deserves individual consideration, supported by a responsible and fair affordability assessment.

The QMS loan offering can be introduced to employees through the employer’s intranet, internal communication platforms, email, SMS or other suitable communication channels. Our loan application forms are readily accessible and can be submitted conveniently via email, ensuring a straightforward application process. To minimise the administrative burden on employers, all loan enquiries, applications and related queries are handled directly by QMS. This centralised approach ensures that employees have a dedicated point of contact, while allowing the employer’s HR and payroll departments to focus on their core responsibilities. It also helps prevent unnecessary administrative complications and streamlines the overall process.

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Understanding the Needs of Your Workforce

We recognise that not all employees have equal access to financial services, technology or traditional banking facilities. For many lower-income employees, short-term credit serves as a means of managing unexpected expenses and bridging temporary gaps in their monthly budgets. Many employees support extended families and carry significant financial responsibilities. Unexpected medical expenses, transport costs, school fees and other essential household needs can place considerable pressure on their finances.

QMS understands that these circumstances differ from one individual to another. Our approach is therefore centred on accessibility, responsible lending and treating every applicant fairly, while taking their individual financial circumstances into account.

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Our Commitment to Responsible Lending

In an increasingly challenging economic environment, access to appropriately structured and responsibly managed credit can provide consumers with a means of addressing short-term financial needs. QMS is committed to providing a transparent, accessible and professionally managed lending service that considers both the needs of employees and the operational requirements of employers. All applications remain subject to affordability assessments and applicable regulatory requirements. Our objective is to establish a mutually beneficial relationship with employers by offering a convenient, well-managed credit facility that places employees’ needs, responsible lending and efficient administration at its core.

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