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, a bulk-payment for your children’s education, or even a planned vacation is usually out of reach for salaried individuals.
With this in mind, OptaCredit offers instant credit to employees. Gone are the days when you had to sacrifice your aspirations due to unexpected circumstances and wait to get a personal loan approved. OptaCredit enables you to get a personal loan online, instant approval and direct disbursement.
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    You can apply for an OptaCredit personal loan from the comfort of your home or office via our fast track online application form.
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    On submission, your details will be verified and an OptaCredit representative will contact you. The necessary documents will be collected by an OptaCredit representative.
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    On receipt of documents, we will verify them, process your disbursal on the next working day and transfer the funds directly to your account.

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    Applicant must have a minimum monthly salary of ₹12,000.
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    Applicant must be in employment (probation period completed) with the organization for a minimum period of 6 months.
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    Applicant must be Resident Indian Citizen.

Check Eligibility

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    Loan amount from as low as Rs.20,000 to Rs.5,00,000
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    Loan Tenure between 2 to 36 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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    No prepayment charges

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    Meet Emergency expenses
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    Bridge expense gap until cash flow stabilizes
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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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    Pay Slips of the last three months
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    PAN Card
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    Aadhar Card

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Benefits

Repayment

Flexible Repayment Options

Interest Rate

Extremely Competitive Interest Rates

Approval

Instant
Approval

Collateral

No
Collateral

funds

Funds directly credited to your account

Interest Rate

24*7-online account access

Approval

Digital online application – paperless process

Collateral

No hidden charges

Know your EMI

Enter Your Loan Details:

Note: Interest and EMI to be calculated for 1.34% to 2.34% p.m as a range
Check Your Financial Health

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