Skip to content
English
More support
Go to seamlesshr.com
  • There are no suggestions because the search field is empty.

Release Notes – Employee Benefits | November 2026: Accessing Maximum Eligible Loan Amount for Returning Users on Breeze

This enhancement allows returning employees applying for a loan on Breeze to access their maximum eligible loan amount. 

Employees applying for a loan on Breeze are now notified when they qualify for more than their requested amount.

After the CDS check, a “You're approved for more” prompt gives them three options: keep their original amount, select the maximum eligible amount, or choose an amount in between. This allows employees to adjust their loan amount without restarting the application.

Option What the employee sees Example
Requested amount Continue with the amount originally applied for ₦2,000,000
Maximum you're eligible for Take the full amount available today ₦5,000,000
Request a different amount Enter any amount between the requested amount and the maximum ₦2,000,000 – ₦5,000,000

The prompt has two actions: Accept offer continues with the selected amount, and Cancel application exits without submitting.

How it works

  1. Navigate to Benefits, selects a loan option (for example, Apply for Maxi), and enters the requested loan amount and repayment duration.

 

2. The credit decisioning system (CDS) check runs on the application.

3. If the eligible limit is higher than the requested amount, the "You're approved for more" prompt appears.

4. The employee picks one of the three options or cancels the application.

5. On Accept offer, the loan breakdown (fees, amount to be disbursed, interest and repayment schedule) recalculates for the chosen amount, and the employee continues to the Repayment step.

If the eligible limit is lower or equals the requested amount, the prompt does not appear, and the flow continues as before.

Benefits

  • For employees: they learn their true limit at the point of decision and can borrow more without reapplying or stick with what they planned.
  • Employee stays in control: nothing changes unless the employee actively selects a higher amount.

Note

  • This feature is only available for products such as (Flexi, Maxi and Maxi Pro).
  • A custom amount must sit between the requested amount and the maximum eligible amount, inclusive.
  • The original requested amount is always pre-selected, so accepting without changes keeps the employee's first choice.
  • Fees, VAT, credit life insurance and repayment figures always reflect the final accepted amount.
  • Cancelling from the prompt ends the application; the employee can start a new one at any time.
  • The eligible maximum is not kept between sessions: it is recalculated every time the employee starts the flow from the beginning.