Payday Loans
Payday Loans (Salaray Advance Loans) provide instant, AI-driven micro-loans to underserved income earners—freelancers, gig workers, self-employed professionals, and others outside traditional payroll systems. By analyzing income patterns, transaction activity, and behavioral markers, the system dynamically determines eligibility, personalizes loan limits, interest rates, and repayment schedules, and ensures repayments align with income cycles.
Delivered directly through the bank’s ecosystem, it offers customers a convenient, transparent, and regulated safety net while creating a scalable short-term credit revenue stream for banks—bridging critical credit gaps and promoting financial inclusion.
Platform Capabilities
AI-powered income detection
No salary certificate required—eligibility is determined from transaction and credit inflow patterns.
Pre-approved, tailored offers
Loan limits, interest rates, and repayment windows configured for each individual customer.
Flexible repayment models
Short tenures (1–90 days) with bullet repayment aligned to salary or income cycles.
Inclusive coverage
Designed for freelancers, gig workers, self-employed, and irregular earners—beyond corporate payroll accounts.
Seamless bank integration
Loans are offered, accepted, disbursed, and repaid entirely within the bank’s digital channels.