Loans to Salaried Employees

As an employee with a steady monthly income, you have the freedom to plan your expenses and investments. To a large extent that may be true but not all days are the same. An emergency expense or bulk-payment for your kids education, or even, a planned vacation, are usually out of reach for salaried individuals.
With this in mind, OptaCredit has tailored a product that allows the salaried class to live life to the fullest. Gone are the days when you had to sacrifice your aspirations due to unexpected circumstances. OptaCredit aims to change it. For the better.
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    You can apply for an OptaCredit loan from the comfort of your home or office via our 10-minute online application form.
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    On submission, all your details will be verified and an OptaCredit representative will contact you. All the necessary documentation and KYC documents will be collected by an OptaCredit representative.
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    On receipt of documents we will verify them, process your disbursal within three working days and transfer the funds directly to your account.
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    Applicant must have a minimum monthly salary of ₹15,000 **
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    Your employer must be a partner with OptaCredit
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    Applicant must be in employment (probation period completed) with the organisation for a minimum period of 6 months
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    Applicant must be Resident Indian Citizen.

Check Eligibility

**The Minimum Average-Monthly Salary requirement will differ depending on the profile (Type of business, vintage, etc.) of the customer.

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    Loan Tenure between 2 to 12 months
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    EMI Payment with Standard Due-Date – 7th of Every Month (Next working day, incase the due-date falls on a holiday)
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    Pre-Payment Options (once in the First 6 months, and once more in the next 6 months. Option expires if not used within the window)
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    Loan amount from as low as ₹50,000 to ₹5 Lakhs

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    Meet Emergency expenses
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    Bridge expense gap until cash flow stabilises
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    Meet family expenses like Travel, Marriage, Home Furnishing etc
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    Any other personal expense

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    Bank Statements (Original Bank PDF) of the last six months
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    KYC documents of the applicant
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    Income Tax Returns (Latest)

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Benefits

Repayment

Flexible Repayment Options

Interest Rate

Extremely Competitive Interest Rates

Approval

Instant
Approval

Collateral

No
Collateral

funds

Funds Credited directly to your Account

Interest Rate

24*7 - Online Account Access

Approval

Digital Online Application - Paperless Process

Collateral

No
Hidden Fees

Need cash?

I want a Personal Loan for Rs. for months.
Gross Annual Income is Rs

Apply Now

More Questions?

Do have a look at our FAQs to understand better

If your company doesn't offer OptaCredit, ask them to partner with us.

Connect Us

or send a mail to:
partnerships@optacredit.com