diff --git a/core/templates/core/payroll_dashboard.html b/core/templates/core/payroll_dashboard.html
index 4f6f983..1e08b54 100644
--- a/core/templates/core/payroll_dashboard.html
+++ b/core/templates/core/payroll_dashboard.html
@@ -2079,6 +2079,7 @@ document.addEventListener('DOMContentLoaded', function() {
     function buildWorkerRow(w, idx) {
         var tr = document.createElement('tr');
         tr.dataset.team = w.team_name;  // Used by team filter
+        tr.dataset.hasLoan = w.has_loan ? 'true' : 'false';  // Used by loan filter
 
         // Checkbox cell
         var tdCb = document.createElement('td');
@@ -2272,6 +2273,26 @@ document.addEventListener('DOMContentLoaded', function() {
                     filterSelect.appendChild(opt);
                 });
                 filterRow.appendChild(filterSelect);
+
+                // Only show the "Exclude loans" checkbox if any worker has a loan
+                var anyHasLoan = data.eligible.some(function(w) { return w.has_loan; });
+                var excludeLoansCheck = null;
+                if (anyHasLoan) {
+                    var loanDiv = document.createElement('div');
+                    loanDiv.className = 'form-check ms-3 mb-0';
+                    excludeLoansCheck = document.createElement('input');
+                    excludeLoansCheck.type = 'checkbox';
+                    excludeLoansCheck.className = 'form-check-input';
+                    excludeLoansCheck.id = 'batchExcludeLoans';
+                    loanDiv.appendChild(excludeLoansCheck);
+                    var loanLabel = document.createElement('label');
+                    loanLabel.className = 'form-check-label text-muted small';
+                    loanLabel.setAttribute('for', 'batchExcludeLoans');
+                    loanLabel.textContent = 'Exclude workers with loans';
+                    loanDiv.appendChild(loanLabel);
+                    filterRow.appendChild(loanDiv);
+                }
+
                 body.appendChild(filterRow);
 
                 // --- Summary header ---
@@ -2358,14 +2379,16 @@ document.addEventListener('DOMContentLoaded', function() {
                     }
                 });
 
-                // --- Team filter behavior ---
-                // Shows/hides rows, checks matching workers, unchecks hidden ones
-                filterSelect.addEventListener('change', function() {
+                // --- Shared filter function (team + loan filters combined) ---
+                function applyBatchFilters() {
                     var selectedTeam = filterSelect.value;
+                    var excludeLoans = excludeLoansCheck ? excludeLoansCheck.checked : false;
                     var rows = tbody.querySelectorAll('tr');
                     for (var i = 0; i < rows.length; i++) {
                         var row = rows[i];
-                        if (!selectedTeam || row.dataset.team === selectedTeam) {
+                        var teamMatch = !selectedTeam || row.dataset.team === selectedTeam;
+                        var loanMatch = !excludeLoans || row.dataset.hasLoan !== 'true';
+                        if (teamMatch && loanMatch) {
                             row.style.display = '';
                             row.querySelector('.batch-worker-cb').checked = true;
                         } else {
@@ -2375,7 +2398,12 @@ document.addEventListener('DOMContentLoaded', function() {
                     }
                     selectAllCb.checked = true;
                     updateBatchSummary(data, summary);
-                });
+                }
+
+                filterSelect.addEventListener('change', applyBatchFilters);
+                if (excludeLoansCheck) {
+                    excludeLoansCheck.addEventListener('change', applyBatchFilters);
+                }
 
                 // --- Skipped workers (collapsible) ---
                 if (data.skipped.length > 0) {
diff --git a/core/views.py b/core/views.py
index 8d0090d..0f80c73 100644
--- a/core/views.py
+++ b/core/views.py
@@ -1505,6 +1505,9 @@ def batch_pay_preview(request):
         else:
             period_display = "All unpaid"
 
+        # Check if worker has any active loans or advances
+        has_loan = Loan.objects.filter(worker=worker, active=True).exists()
+
         eligible.append({
             'worker_id': worker.id,
             'worker_name': worker.name,
@@ -1516,6 +1519,7 @@ def batch_pay_preview(request):
             'net_pay': float(net),
             'log_ids': unpaid_log_ids,
             'adj_ids': unpaid_adj_ids,
+            'has_loan': has_loan,
         })
         total_amount += net