The purpose of this research was to determine the effect of workload and competence on employee performance. This research was conducted at PT X Finance using quantitative sample method is take 70 respondents. Measurement data was done by distributing questionnaires using 5-point Likert scale. The analytical technique used is using SmartPLS 3 software. From the results of the test-t show the value t workload 10.178 > 1.996 and value t 3.996 > 1.996, competence and has a value of signifkan < 0.005. The results showed that the workload and competence have positive and significant effect simultaneously and partially on the performance of employees in PT X Finance. The impact for PT X Finance from this research could find out that employee performance decreases because employees feel pressured with workload and the inadequate competence.