Up to 5 installments could be requested over the course of a month, without the need for justification. This is the bill from PS MP Océane Godard, which would relax the existing system of salary advances, to reduce the use of bank overdrafts.
The salary advance corresponds to the advance payment, by the employer, ofpart of the current month’s salaryfor a period of work already completed.
The deposit is a right for the employee. Today, the Labor Code allows private sector employees to request a deposit of their salary, once a month, after a period of 15 working days (article L3242-1 of the Labor Code).
Company agreements or collective agreements may make it possible to request a deposit on other dates. But always for a period of work already completed.
A new bill to relax the conditions for obtaining the salary advance
The socialist MP Océane Godard (Côté d’Or) tabled a bill on March 3, 2026 in the National Assembly for an effective right to advance payments on salary and remuneration.
This proposal aims to facilitate access and implementation of the legal salary advance systemfor employees and employers alike.
It follows two previous legislative proposals relating to salary advances tabled, in 2024 by MP Corentin Le Fur, and in June 2025, by MP Jean Laussucq.
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A bill to allow up to 5 installments per month
The conditions of access to the salary deposit would be facilitated. The employee could ask up to 5 times a month a salary advance.
The employee’s request n’aurait pas être motivée.
And the total amount of salary advances is capped at 50% of gross monthly salary, just like in the current system.
These new terms of delivery of salary advances do not call into question the principle of monthly salary paymentfor employees in the private sector, on permanent or fixed-term contracts. That is to say the payment of the salary once a month, at the same period: at the end of the month or at the beginning of the following month.
The new system of advance payment on remuneration would be extended to civil service agents, permanent or contractual.
Does the salary deposit help avoid bank overdraft?
MP Océane Godard presents the salary advance system as a alternative solution to resorting to bank overdraft. While the rules for granting bank overdrafts will change in November 2026 after the transposition of the European directive on consumer credit.
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Lenders will have to carry out an analysis of the borrower’s solvency before any bank overdraft authorization, even less than 200 euros. This could have the effect of reducing access to authorized overdraft for the most vulnerable households.
And the use of unauthorized bank overdraft costs more, due to the rate of agios often being higher than that of authorized overdraft and intervention commissions.
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The salary deposit can unbalance the monthly budget
In this context, the reform of the salary advance would allow employees to manage cash flow gaps without having to resort to bank overdrafts. So by reducing bank charges.
More the payment of this deposit must be anticipated in the monthly budget. In fact, the net amount payable at the end of the month will be reduced by the amount of the deposit paid. This can cause difficulties in paying fixed charges (rent, bills, credit repayments…). And could worsen an already fragile financial situation.
What is the difference between deposit and salary advance?
L’salary advance payment corresponds to payment in advance of hours of work already worked.
L’salary advance is the advance payment of part of the salary due for a period of work which has not yet been completed. The employer may refuse the advance request. And the amount of the advance must be repaid through salary deductions, within the limit of 1/10ème net salary, until full repayment of the advance.
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