Get up to ₹1 lakh of credit every month with Uni Paychek. You can enjoy interest-free credit for 15 days every month. The first Uni Paychek credit will be transferred to your bank account instantly.
From next month, the amount will be credited to your account on a fixed date as per the plan you choose.
In this Uni Paychek Review, you’ll get to know about the features, charges, eligibility criteria, and application process of Uni Paychek. So let’s dive into it…
What is Uni Paychek? How Does It Work?
Uni Paychek is a Bangalore-based financial company. It offers a pay later service that lets you avail up to ₹1 lakh of credit every month before your salary money credits. Therefore, it’s also known as an early salary program.
It is a pay-later service, but not exactly similar to other pay-later services like PostPe and Simpl Pay Later. Because it transfers the credit limit directly to your bank account, not to your Uni Paychek app or wallet.
That means you can use your Uni Paychek credit for any purpose. And, before the due date, you should repay the credit to Uni Paychek. Otherwise, you’ll be charged late fees on the outstanding amount.
Uni Paychek has partnered with some RBI-registered NBFCs to lend the credit to the borrowers. Here’s the list of Uni Paychek’s lending partners:
| Sl No | Lending Partner |
| 1 | DMI Finance |
| 2 | Lendbox |
| 3 | LiquiLoans |
| 4 | Northern Arc Capital |
| 5 | Credit Saison India |
Uni Paychek Plan Details
15 Day Plan
30 Day Plan
Features and Benefits of Uni Paychek
Attractive Credit Limit: Uni Paychek offers instant credit up to ₹1 lakh. It gives you a fixed credit every month, which means you get the same credit limit every month which you got at the first time.
Pause and Resume: If you don’t need the credit limit in a month, then you can pause the service before the credit date. You can also resume the service anytime and start getting the credit again till the plan validity.
Direct Bank Transfer: Every month before your salary money gets credited, Uni Paychek transfers the credit directly to your bank account, not to any wallet. That’s why, it’s also known as early salary.
Interest-Free Credit: Uni Paychek provides interest-free credit for 15 days every month. Once the money gets credited to your account, you can use it for anything till the due date comes.
Easy Online Process: In just 3 simple steps, you can get your Uni Paychek credit. Check your eligibility, complete your KYC, and set up your Paychek account to get the credit instantly.
Quick Approval: Uni Paychek takes less than 3 minutes to approve a user’s application. Check your eligibility to see the credit limit you are eligible for.
Improve Credit Score: Uni Paychek helps you improve your credit score only if you make repayments timely. So if you are looking for ways to increase your credit profile, then Uni Paycheck is a great option.
Uni Paychek Charges
Uni Paychek does not charge any fees for credit usage, and even there is no account opening charge. A subscription fee of ₹1,999 is applicable only when you select the 30-day plan.
Apart from these, it charges a late payment fee starting from ₹30 and a maximum of ₹3,000. Here is a chart of the late fees charged by Uni Paychek.
| Outstanding Amount | Late Fees |
| ₹0 – ₹200 | ₹30 |
| ₹201 – ₹400 | ₹50 |
| ₹401 – ₹1,000 | ₹100 |
| ₹1,001 – ₹2,000 | ₹250 |
| ₹2,001 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹1,000 |
| ₹10,001 – ₹20,000 | ₹2,000 |
| ₹20,001 – ₹6,00,000 | ₹3,000 |
Eligibility and Documents Required for Paychek
Eligibility Criteria
Age: 21 to 65 years
Employment Status: Salaried & Self-Employed
CIBIL Score: 700+
Documents Required
Aadhaar card for KYC verification
PAN card with date of birth
A valid mobile number linked to Aadhaar and bank account
Is Uni Paychek Safe to Use?
Yes! Uni Paychek is a 100% safe and secure platform for borrowing credit, but how? First of all, it is a financial service, so it complies with the laws including the Fair Practices Code of RBI.
Second, it offers credit to the borrowers through some nationally recognized NBFCs, that are approved by RBI. The transaction is processed securely between the borrower and the NBFC through Uni Paychek.
Lastly, Uni Paychek is PCI DSS compliant, which means the data you share with Uni Paychek are securely stored on PCI DSS-based systems. Moreover, it has a 4.4 rating and 5M+ app downloads on the Play Store.
How to Get Uni Paychek Credit?
In 3 simple steps, you can apply and get your first Uni Paychek credit. Just check your eligibility, complete your KYC, and set up Uni Paychek to get the credit directly to your bank account.
Your first Uni Paychek credit will be transferred to your account immediately once you finish the application process. From the next month, the amount will be credited as per the plan details.
Here’s the step-by-step process to apply for Uni Paychek.
Step 1: Check Your Eligibility
Click Here and enter some details such as your name, email, PIN code, and PAN. Once you submit, you’ll be redirected to the official portal of Uni Paychek.
To get started, verify your mobile number through OTP and then tap on “Get Paychek”. Now tap on the “Apply Now” button and start the eligibility check.
Enter your PIN code to know whether the service is available in your area. If it is available, you’ll be redirected to the next page.
On that page, enter your name, PAN number, date of birth, and email ID, and then proceed to forward.
On the next page, select your gender, marital status, and employment type, and then tap on “Check Eligibility Now”.
Wait a few seconds to let it check whether you are eligible. If you’re eligible, you’ll be redirected to a new page to complete KYC.
Step 2: Complete Your KYC
On the new page, you’ll see a continue button, so click on it to verify your KYC through Aadhaar details.
You’ll be redirected to DigiLocker, enter your Aadhaar number and verify with the OTP. Then allow DigiLocker to share your details.
After that, take a selfie as per the instructions given on the page and upload it.
Now enter your full address and confirm it. After that, it will load a few seconds and show the credit limit you’re eligible for.
Step 3: Set Up Paychek
Tap on Set Up Paychek and choose your bank account or UPI ID. Uni will send ₹1 to verify your bank account.
On the next page, you’ll be asked to choose a Uni Paychek plan. Choose either the 15-day or 30-day plan and confirm it.
Once you confirm the plan, tap on the “Done” button to finish the application process.
Uni Paychek Review: Should You Use It?
“Uni Paychek transfers the monthly credit limit directly to the bank account, thus it is a good choice for those whose monthly salary or income can’t cover their overall expenses.
With its 15-day plan, you can enjoy interest-free credit for 15 days every month. And, with the 30-day plan, you can enjoy the credit for 30 days with just a nominal subscription fee.
Anyway, Uni Paychek is a good pay-later service, and I love it. In other BNPL apps, you can get the credit in a digital wallet for making transactions at some selected stores.
But Uni Paychek credits the amount directly to your bank account which you can use for any purpose.” – Review by Ashim
| Specifications | Ratings |
| Features and Benefits | 5/5 |
| Interest and Charges | 4/5 |
| Security Measures | 4/5 |
| Ease of Apply Process | 5/5 |
| Overall | 4/5 |