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A Particular Loan Is Not Showing in My Active Loans

When a loan does not appear under Active Loans, it is usually because the loan application is still being processed, was not successfully approved, has already been fully repaid, or the employee does not yet meet the eligibility requirements for that loan product. In most cases, the issue can be resolved by checking the loan status, confirming eligibility criteria, or allowing additional processing time after approval.

What Could Cause This?

A loan may not appear under Active Loans for several reasons:

  1. The application is still under review.
  2. The application was declined and was never activated.
  3. The loan has been fully repaid and moved to Loan History.
  4. You do not currently meet the eligibility requirements for the loan product.
  5. There is a temporary system synchronisation delay after approval or disbursement.

 

What You can do ?

1. Check Your Loan Application Status

Open the Breeze app or Employee Benefits portal and check your application status.

  • Pending Review: Your application is still being assessed.
  • Approved: The loan has been approved but will only become active after disbursement.
  • Declined: The application did not meet the required approval criteria.
  • Disbursed: The funds have been released and the loan should appear under Active Loans.

If your application is still pending, wait for the review to be completed.

2. Confirm That the Loan Was Disbursed

An approved loan will only appear as active after successful disbursement. Check your:

  • Salary/bank account for the loan credit.
  • SMS or email notifications.
  • Loan details for the disbursement status.

3. Check Your Eligibility

Loan products have different eligibility requirements. For example:

Loan Product Typical Employment Requirement
Earned Wage Access (EWA) Minimum 2 consecutive months
Salary Advance 1 month
Flexi Loan Minimum 3 -5 consecutive months
Maxi Loan Minimum 6 consecutive months

Other lending criteria may also apply.

4. Check Your Loan History

If the loan has been fully repaid, it may no longer appear under Active Loans. Check Loan History or Completed Loans to confirm that the balance has been settled.

5. Refresh the App

If the loan was recently approved, disbursed, or repaid, there may be a temporary synchronisation delay.

Try to:

  1. Log out of Breeze.
  2. Close and reopen the app.
  3. Log back in.
  4. Check Active Loans again.

Common Error Messages

Message Meaning
No Active Loans Found No disbursed loans are currently linked to your profile.
Application Pending Review Your application is still being assessed.
Loan Not Eligible You do not currently meet one or more eligibility requirements.
Loan Application Declined Your application was not approved.
Unable to Retrieve Loan Information There may be a temporary system issue. Try signing in again.

Contact Support if:

  • Your loan shows Disbursed but is not displayed under Active Loans after 24 hours.
  • You received the loan funds but cannot see the loan.
  • Multiple employees are experiencing the same issue.
  • You meet the eligibility requirements and have completed the application successfully.
  • The issue continues after signing out and signing back in.

When contacting Support, provide your:Name, Registered phone number, Company name,  Loan type,  Application reference, if available,  Application date,  Screenshot of the issue or error message

Please contact our Support team through any of the following channels:

  • Email: support@seamlesshr.com
  • Phone: 0201 330 6080
  • WhatsApp: +234 916 653 6169
  • In-app chat: Send us a message using the chat feature on the system.