Frequently Asked Questions

OneZpay is a digital lending platform that provides quick, hassle-free personal loans to salaried individuals in India. We use advanced technology to offer a 100% paperless loan application process with instant approval and fast disbursement.

No, OneZpay is not a bank or NBFC. We are a digital lending platform (Loan Service Provider) that partners with RBI-registered NBFCs. All loans are disbursed by our licensed lending partners, ensuring full regulatory compliance.

Absolutely! We use bank-grade 256-bit SSL encryption to protect your data. We follow strict privacy policies and never share your information with third parties without your consent. All data is stored securely in compliance with data protection regulations.

You can borrow anywhere from ₹10,000 to ₹1,00,000 based on your eligibility and credit profile. The exact amount you qualify for will be determined during the application process based on factors like your income, credit score, and existing obligations. Interest rates range from 30% to 48% p.a. depending on your credit profile.

To apply for a loan with OneZpay, you must:

• Be between 21-55 years old
• Be a salaried professional
• Have a minimum monthly income of ₹15,000
• Have at least 6 months of work experience in current job
• Have a credit score of 600+ (preferred)
• Have an active salary bank account

Our AI-powered system can provide loan decisions in under 10 minutes! Once your application is submitted and all verifications are complete, you'll receive an instant decision. For approved loans, the money is typically disbursed within a few hours.

Our process is 100% paperless! You'll need:

• Aadhaar Card (verified via DigiLocker)
• PAN Card
• Bank Statement (last 6 months - digital upload)
• Selfie for face verification

No physical documents or branch visits required!

Interest rates range from 12% to 36% per annum, depending on your credit profile, income, and loan parameters. The exact rate will be displayed during the application process before you accept the loan offer. We believe in transparent pricing with no hidden charges.

You can repay your EMIs through multiple methods:

• UPI payment
• Net Banking
• Debit Card
• NACH/Auto-debit (set up during application)

We recommend setting up auto-debit for hassle-free repayments.

Yes! You can make partial prepayments or fully foreclose your loan. After paying 3 EMIs, there are no prepayment or foreclosure charges. This helps you save on interest if you have extra funds available.

Missing EMI payments can result in:

• Late payment fees as per your loan agreement
• Negative impact on your credit score
• Potential difficulty in getting future loans

We recommend setting up auto-debit to avoid missing payments. If you're facing financial difficulties, please contact our support team to discuss options.

Your EMI due date is typically set based on your salary credit date. This ensures you have funds available when your EMI is deducted. The exact due date will be communicated during the loan agreement process.

You can reach our customer support team through:

• Email: support@onezpay.in
• In-app chat support
• Contact form on our website

Our team is available to help you with any questions or concerns.

You can check your loan status, EMI schedule, and payment history directly in the OneZpay app. Simply log in to your account and navigate to the "My Loans" section to view all details.

Depending on your repayment history and eligibility, you may be able to apply for a top-up loan. This will be evaluated based on your current loan status, payment history, and updated credit profile. Check the app for available offers.