Freshers advantage

Your first job deserves your first credit line.

Got a placement offer? You don't have to wait six months for your salary cycle to stabilize. Credlyne unlocks credit the moment your offer is verified.

Check fresher eligibility

Upload offer letter

OCR extracts CTC, joining date, and employer name. We validate against employer domain.

Employer verification

We cross-check against our verified employer registry — 5,000+ Indian companies indexed.

Pre-salary unlock window

Get a starter limit valid until 60 days post-joining. Limit upgrades after first salary credit.

What you get as a fresher

Credit limit between ₹10k–₹50k based on offer CTC
Lower starter APR (14–18%) for verified Tier-1 offers
CIBIL score reporting from day one
Auto-debit setup post first salary credit
Educational financial wellness modules
University placement-cell co-validation supported