Check if you qualify for a personal loan with OneZpay and calculate your EMI.
We've designed our eligibility criteria to be simple and straightforward.
| Criteria | Requirement |
|---|---|
| Age | 21 - 55 years |
| Employment Type | Salaried professionals |
| Monthly Income | Minimum ₹15,000 |
| Work Experience | Minimum 6 months in current job |
| Credit Score | 600+ (preferred) |
| Location | Pan India |
| Bank Account | Active salary account |
Flexible loan options to meet your needs.
₹10,000 - ₹1,00,000
Based on your eligibility
2 - 6 months
Flexible repayment options
30% - 48% p.a.
Based on credit profile
Plan your loan repayment with our easy-to-use EMI calculator. Adjust the sliders to find the perfect loan plan for your budget.
| Processing Fee | 1% - 3% |
| Prepayment Charges | Nil (after 3 EMIs) |
| Late Payment Fee | As per agreement |
| GST | Applicable on fees |
*Interest rate shown is indicative (18% p.a.). Actual rates depend on your credit profile.
Here are some ways to increase your chances of loan approval.
Pay your bills and EMIs on time to maintain a credit score above 700.
Regular salary credits in your bank account strengthen your application.
Clear existing loans and credit card dues to improve your debt-to-income ratio.
Ensure your Aadhaar, PAN, and bank details are updated and accessible.
Sign up to be notified when our app launches and be among the first to apply.