How It Works

Simple 6-Step Process

Your Loan Journey

From application to disbursement, everything happens on your phone. No branch visits, no paperwork.

Step 1

Download & Register

Download the OneZpay app from the Google Play Store. Register with your mobile number and create your account in seconds.

Free download from Play Store
OTP verification for security
Takes less than 1 minute

Step 2

Complete KYC Verification

Verify your identity using our secure digital KYC process. No physical documents needed!

Aadhaar verification via DigiLocker
PAN card verification
Face verification with liveness check

Step 3

Provide Your Details

Enter your personal, employment, and bank details. Upload your bank statement for income verification.

Basic personal information
Employment details
Bank statement (last 6 months)

Step 4

Get Instant Decision

Our AI-powered system analyzes your profile and provides an instant loan decision with personalized offers.

Credit bureau check (CIBIL)
Bank statement analysis
Decision in under 10 minutes

Step 5

Choose Your Plan

Select your preferred loan amount, tenure, and EMI plan from the available options that suit your budget.

Multiple loan amount options
Flexible tenure (2-12 months)
Clear EMI breakdown

Step 6

Receive Your Funds

Upon approval, the loan amount is transferred directly to your bank account. Start using your funds immediately!

Same-day disbursement
Direct bank transfer
No processing delays

Documents Required

All documents are verified digitally. No physical copies needed!

Aadhaar Card

Via DigiLocker

PAN Card

Identity & tax verification

Bank Statement

Last 6 months

Selfie

Face verification