Uni : Next-gen cards & Paychek
Apply for Uni Paychek - your "other" salary | NX Wave Credit Card coming soon
What's Uni : Next-gen cards & Paychek APK?
Uni : Next-gen cards & Paychek is a app for Android, It's developed by Uni Cards author.
First released on google play in 54 years ago and latest version released in 1 year ago.
This app has 5.4M download times on Google play and rated as 3.79 stars with 115,903 rated times.
This product is an app in Finance category. More infomartion of Uni : Next-gen cards & Paychek on google play
We are changing how India experiences credit. To one that’s simple, transparent, and effortless and is straight from the future. Here’s what it looks like:
Uni Paychek
Receive a fixed credit of up to ₹100,000 every month. Sent directly to your bank account. Just like a salary before your salary.
👉🏼Subscribe with a paperless one-time setup that takes less than 3 minutes
🗓Choose an amount and note the date. Your Paychek arrives on this date every month
🌟You get 15 days of free credit period each month
⏸Don’t need Paychek for a month? You can always pause it from the app
🔄Get 15-25 days more to clear your credit card bill, cover your SIPs and EMIs, and pay rent and utility bills…you can use Paychek for anything and everything
🎖Paychek is enabled by our partners - nationally recognized NBFCs that are regulated by RBI
😇Over 1 Lakh happy users have made Paychek a part of their monthly finances
How to begin (Steps for new users)
1️⃣Download the Uni app
2️⃣Check eligibility
3️⃣Complete KYC
4️⃣Subscribe to Paychek
Get a Paychek amount ranging from Rs. 15,000 to Rs. 1,00,000 every month
Tenure to repay - 24 months
Subscription fee - One time 100% refundable annual subscription fee ranging from Rs. 999 to Rs. 2,999 (incl. of GST) depending on the risk profile of the customer
Maximum APR (Annual percentage rate) is 48% + GST and it varies across risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by due date - No interest, No additional charges
Example -
For Rs. 50,000 Paychek, with carryforward fee of 3.75% + GST and subscription fee of 999 :
Total loan amount = Rs. 50,000
Subscription fee = Rs. 999 incl. of GST
Carryforward fee applicable, If paid in full by due date = 0
Total amount to pay back = Rs. 50,999 incl. Of GST
Total loan amount = Rs. 50,000
Subscription fee = Rs. 999 incl. of GST
Carryforward fee applicable, If paid in 24 months = 19,276 + GST
Total amount to pay back = Rs. 70,275 + GST
*Carryforward fee varies based on customer risk profile.
⚡️Uni Cash
The quickest way to transfer your credit line to your bank account. Yep, that’s how simple it is.
✅Login to the Uni app, and look for Uni Cash
✅Check your offered cash limit, fees applicable if any
✅Select your amount and transfer it to your preferred bank account
✅The amount is transferred instantly.
Uni Cash limit ranging from Rs 15,000 to Rs. 1,50,000 every month
Maximum tenure to repay - 24 months
Convenience fee - ranging from 2.5% to 4.5% + GST depending on the risk profile of the customer
Maximum APR (Annual percentage rate) is 48% + GST and it varies across risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by due date - No interest, No additional charges
Example -
For Rs. 50,000 Uni Cash, with carryforward fee of 3.75% + GST and convenience fee of 2.5% + GST :
Total loan amount = Rs. 50,000
Convenience fee = Rs. 1250 + GST
Carryforward fee applicable, If paid in full by due date = 0
Total amount to pay back = Rs. 51,250 + GST
Total loan amount = Rs. 50,000
Convenience fee = Rs. 1250 + GST
Carryforward fee applicable, If paid in 24 months = Rs. 19,276 + GST
Total amount to pay back = Rs. 70,525 + GST
*Carryforward fee varies based on customer risk profile.
Paychek and Uni Cash are loan products and reported as Personal Loan in the credit bureaus.
To know more, you can always check our website 🌐www.uni.cards
Or send us an email to 📧[email protected]
List of partnered entities
NBFC - DMI Finance Private Limited
NBFC -NDX P2P PRIVATE LIMITED
NBFC - Transactree Technologies Private Limited
NBFC - Northern Arc Capital Limited
Uni Paychek
Receive a fixed credit of up to ₹100,000 every month. Sent directly to your bank account. Just like a salary before your salary.
👉🏼Subscribe with a paperless one-time setup that takes less than 3 minutes
🗓Choose an amount and note the date. Your Paychek arrives on this date every month
🌟You get 15 days of free credit period each month
⏸Don’t need Paychek for a month? You can always pause it from the app
🔄Get 15-25 days more to clear your credit card bill, cover your SIPs and EMIs, and pay rent and utility bills…you can use Paychek for anything and everything
🎖Paychek is enabled by our partners - nationally recognized NBFCs that are regulated by RBI
😇Over 1 Lakh happy users have made Paychek a part of their monthly finances
How to begin (Steps for new users)
1️⃣Download the Uni app
2️⃣Check eligibility
3️⃣Complete KYC
4️⃣Subscribe to Paychek
Get a Paychek amount ranging from Rs. 15,000 to Rs. 1,00,000 every month
Tenure to repay - 24 months
Subscription fee - One time 100% refundable annual subscription fee ranging from Rs. 999 to Rs. 2,999 (incl. of GST) depending on the risk profile of the customer
Maximum APR (Annual percentage rate) is 48% + GST and it varies across risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by due date - No interest, No additional charges
Example -
For Rs. 50,000 Paychek, with carryforward fee of 3.75% + GST and subscription fee of 999 :
Total loan amount = Rs. 50,000
Subscription fee = Rs. 999 incl. of GST
Carryforward fee applicable, If paid in full by due date = 0
Total amount to pay back = Rs. 50,999 incl. Of GST
Total loan amount = Rs. 50,000
Subscription fee = Rs. 999 incl. of GST
Carryforward fee applicable, If paid in 24 months = 19,276 + GST
Total amount to pay back = Rs. 70,275 + GST
*Carryforward fee varies based on customer risk profile.
⚡️Uni Cash
The quickest way to transfer your credit line to your bank account. Yep, that’s how simple it is.
✅Login to the Uni app, and look for Uni Cash
✅Check your offered cash limit, fees applicable if any
✅Select your amount and transfer it to your preferred bank account
✅The amount is transferred instantly.
Uni Cash limit ranging from Rs 15,000 to Rs. 1,50,000 every month
Maximum tenure to repay - 24 months
Convenience fee - ranging from 2.5% to 4.5% + GST depending on the risk profile of the customer
Maximum APR (Annual percentage rate) is 48% + GST and it varies across risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by due date - No interest, No additional charges
Example -
For Rs. 50,000 Uni Cash, with carryforward fee of 3.75% + GST and convenience fee of 2.5% + GST :
Total loan amount = Rs. 50,000
Convenience fee = Rs. 1250 + GST
Carryforward fee applicable, If paid in full by due date = 0
Total amount to pay back = Rs. 51,250 + GST
Total loan amount = Rs. 50,000
Convenience fee = Rs. 1250 + GST
Carryforward fee applicable, If paid in 24 months = Rs. 19,276 + GST
Total amount to pay back = Rs. 70,525 + GST
*Carryforward fee varies based on customer risk profile.
Paychek and Uni Cash are loan products and reported as Personal Loan in the credit bureaus.
To know more, you can always check our website 🌐www.uni.cards
Or send us an email to 📧[email protected]
List of partnered entities
NBFC - DMI Finance Private Limited
NBFC -NDX P2P PRIVATE LIMITED
NBFC - Transactree Technologies Private Limited
NBFC - Northern Arc Capital Limited
