WACS is a credit management marketplace that connects public-sector workers with participating financial institutions, providing the infrastructure for credit access, salary-linked deductions, repayment management and reconciliation.
Choose from participating lenders
Salary-linked deductions
Structured and reconciled
About WACS
The Workers Aggregated Credit Scheme (WACS) is an initiative of the Office of the Accountant-General of the Federation (OAGF), established to provide a unified framework for managing credit facilities accessed by Federal Public Servants registered on the Integrated Personnel and Payroll Information System (IPPIS).
Standardizing credit management workflows within the public-sector payroll environment.
Why WACS
WACS promotes transparency across the credit lifecycle by supporting clear information on credit products, applicable terms and repayment obligations. This helps public servants make informed decisions and supports accountable credit administration.
Through a unified digital platform, WACS supports the coordination of credit applications and related workflows, making credit processes more structured and accessible for eligible public servants and participating financial institutions.
WACS supports salary-linked deductions, repayment monitoring and reconciliation, helping bring greater structure and visibility to the administration of credit facilities.
How WACS Works
Review the credit facilities offered by participating financial institutions, with their terms and repayment obligations.
Submit an application through the relevant WACS process for your chosen facility.
The participating lender assesses eligibility, decides on approval and disburses the facility under its own process.
Applicable salary-linked deductions, repayments and reconciliation are managed through WACS.
For Public Servants
If you are a Federal Public Servant registered on IPPIS, WACS gives you one place to explore facilities from participating lenders and manage your repayments.
Eligibility and approval are determined by participating lenders.
For Lenders
WACS gives participating financial institutions a structured channel to offer facilities to public servants, supported by salary-linked deductions and reconciliation.
The Workers Aggregated Credit Scheme (WACS) is an initiative of the Office of the Accountant-General of the Federation. It is a credit management marketplace that connects eligible public servants with participating financial institutions and supports credit administration, salary-linked deductions, repayment management and reconciliation.
Contact Us
Send an enquiry and choose a category so it reaches the team best placed to help, whether you are a public servant or a financial institution.