Loans simplified for the smart employee


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OptaCredit. Your Partner in Credit.

Our goal is to offer timely credit and hassle-free experiences to credit-worthy applicants throughout the country. We set the bar high by implementing innovative and disruptive practices to empower people who deserve better and faster channels of finance.

Here is what we have to offer

For Employees

Fill in our 10-minute online application form, and get your unsecured, personal loan.

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For Employers

Improve the financial health of your employees, by signing up with us for free.

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Our Features

Avail instant loans from Rs.20,000 to Rs.5,00,000 with flexible tenure ranging from 2 to 36 months, at flat interest rates of 8.8% to 15.8% p.a. Processing fee is 2.5%


No “Devil in the Details” a.k.a “Hidden Charges”.

Quick, Hassle-free

Apply, Qualify and get your loan. No intermediaries.


No Security/Collateral needed. Truly.

Modern Security

The privacy and integrity of your data is of utmost importance to us.

100% Online Application

No Physical, Paper applications. Just a 10-min Online form.

Flexible Repayment

Choose your loan tenure and

How It Works

Our Loan Application process is extremely simple

Apply (10 Minutes)

Submit online application form, upload required documents and track real-time status via Intuitive Customer Dashboard.

E-Sanction (< 10 mins)

Receive in-principle e-sanction once your loan application is approved. Receive SMS and e-mail intimations.

E-Sign documents

No cumbersome paperwork. Simply e-sign your documents or schedule document pick-up.

Receive Funds

Get funds in your bank account the next day.


  • PAN

  • Aadhaar

  • Original Bank PDF statement with 6 months transactions

  • Valid e-mail & mobile number


What is OptaScore?

A proprietary credit- scoring mechanism to grade borrowers’ risks and to cater to unique needs of individuals.

Tailored to address your specific needs

Catered through an intuitive experience

Access whenever, wherever

Stay up-to-date on your loan details with our
Online Customer Dashboard.

Dedicated Customer Support

Any doubts or queries? We are here to help you out.
Call us at : 044-3957 3757

Frequently Asked Questions

In the Media

Ready to attain financial freedom?
It’s just a couple of minutes away.