Access credit before payday — instantly.
Credlyne unlocks smart salary-linked credit using payroll verification, placement letters, and secure bank integrations — no PDF uploads, no documentation chase.
- ₹2L
- Max revolving limit
- 60s
- Avg eligibility time
- 0
- PDF uploads
Real numbers, updated continuously.
From signup to disbursal in under 3 minutes.
Enter mobile number
OTP-verified onboarding in seconds.
Verify PAN + Aadhaar
CKYC compatible, eKYC under DPDP Act.
Connect payroll or bank
Account Aggregator framework — your consent, your data.
Get instant credit limit
Dynamic limit linked to your salary cycle.
Withdraw anytime
Disbursed via UPI, repay via auto-mandate.
Built for India's modern workforce.
Payroll-verified eligibility
Underwriting on real income, not paperwork.
Placement-letter credit
Approve freshers before their first paycheck.
No PDF uploads
Account Aggregator pulls bank flows with consent.
Dynamic salary-cycle limits
Credit grows with your tenure and income.
WhatsApp onboarding
Conversational journey from Hi to disbursed.
UPI autopay repayment
Mandates set up via NPCI rails in one tap.
Employer-sponsored credit
HRMS-integrated zero-paperwork access.
Financial wellness insights
Build credit while you build your career.
Your first job deserves your first credit line.
Credlyne unlocks early credit for students with verified placement offers — even before your first salary is credited. Move into your new city, set up your life, build credit history from day one.
Explore freshers credit- Offer-letter OCR + employer domain verification
- Pre-salary credit unlock window
- Build CIBIL from your first month
- University placement-cell integration
Financial wellness infrastructure for modern teams.
Enable zero-paperwork salary-linked credit for your employees through native HRMS integrations with Darwinbox, Zoho People, Keka, GreytHR, and SAP HR.
Talk to our HR teamBuilt on India's regulated lending stack.
RBI Digital Lending Guidelines
End-to-end disclosure, KFS, cooling-off.
NBFC partner routing
Loans booked on regulated lender balance-sheet.
Account Aggregator framework
Consent-first bank data via Setu / Perfios stack.
CKYC + eKYC
DPDP-Act compliant identity verification.
eSign agreements
Aadhaar / PAN-based digital execution via Digio.
Grievance redressal
30-day SLA with appointed nodal officer.
Credit that starts when your career starts.
Check your salary-linked credit limit in 60 seconds. No documents. No commitment.
Check my eligibility