Uni : Next-gen cards & Paychek

1.39L reviews
Content rating
Rated for 3+
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About this app

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 - India's 1st salary subscription product.

Receive a free 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

🗓Note the eligible amount and Paychek date basis plan. Your Paychek arrives on this date every month

🌟You get 15/30 days of free credit period each month, depending on the plan selected

⏸ Don’t need Paychek for a month? You can always pause it from the app

🔄Get 15/30 days more to clear your credit card bill, cover your 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 2 Lakh happy users have made Paychek a part of their monthly finances

Paychek's 15-day variant is completely free. You can also choose a 30-day plan paying a subscription fee. Try it today!

How to begin (Steps for new users)

1️⃣Download the Uni app
2️⃣Check eligibility
3️⃣Complete KYC
4️⃣Subscribe to Paychek

Paychek details -
Paychek amount upto Rs 1,00,000 every month
Min Tenure to repay - 24 months & Max tenure to repay - 24 months
Subscription plan : 15 day & 30 day
Subscription fee - Zero fee for the 15-day plan & One-time subscription fee of Rs 1999 (including GST) for 30 day plan
Max APR (Annual percentage rate) is 48% + GST ( this includes carry forward fee ) and it varies across the risk profile of the customer
If repaid in 24 months applicable APR is charged
If repaid in full by the due date - zero APR is charged

Example of a Paychek transaction with Rs 50,000 Amount :

Amount : Rs 50,000
Annualised Carry Forward fee (Interest) : 45% p.a + GST
Subscription Plan : 30 Day
Subscription Fee : Rs 1999
Disbursal Amount : Rs 50,000
If repaid by due date
Carry forward fee ( Interest ) = 0
Total amount to be paid = Rs. 51,999 incl. Of GST
If repaid in 24 months
Carryforward fee = Rs 19,276 + GST
Total amount to be paid = Rs. 71,275 + GST

*Carryforward fee varies based on customer risk profile.

To know more, you can always check our website 🌐 paychek.uni.club
Or send us an email to 📧care@uni.club

Office address -
Uniorbit Technologies Pvt Ltd. (Uni Cards)
No.3, B Nexus, 3rd Block, Koramangala 1A Block, SBI Colony, Koramangala, Bengaluru, Karnataka 560034

List of partnered entities
NBFC - DMI Finance Private Limited
NBFC - Transactree Technologies Private Limited
NBFC - Northern Arc Capital Limited
NBFC - Kisetsu Saison Finance (India) Private Limited
Updated on
13 Apr 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region and age The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Photos and videos
This app may collect these data types
Personal info, Financial info and 5 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

1.39L reviews
28 March 2024
If there's is an option for less than 1 star I might prefer to that. It's been 4-5 months since I installed this app, they are saying that your application is on hold. My cibil score (749), (experion - 824) is very high and credit impact is also very high. But they are not offering any paycheck. If you don't have any facility then please stop this nonsense app, don't waste someone precious time and don't ask for data.
208 people found this review helpful
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Uni Cards
28 March 2024
Hello, Deepak! We're sad you feel this way about us. Please be informed that the application hold could be due to any of the credit policy decisions. Please be assured that we're adding new customer groups to our credit policy periodically. We will notify you once we can proceed with your application. Your patience is appreciated as we do this.
سعود أحمد
30 June 2022
Please don't fall for the fake "5 Star reviews" over here which have been popping up in recent times. "Our partner systems are under maintenance...", This has been the case, at least on my screen for the last month or so. Although customer support is quick to respond, it hasn't really fulfilled the purpose of rectifying the issue at hand. The technical team really needs to go back to "Uni" and relearn the ways of maintaining their Digital Infrastructure. Downloading the app is pointless atm...
769 people found this review helpful
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Uni Cards
30 June 2022
Hi there, we apologies if your experience with Uni has been unpleasant. However, we request you to contact us via email at care@uni.club or call us on (080-6821 6821). We'll answer you at once.
Rushad Bhomishaw
16 July 2022
Team Unicard It's been around two months since i downloaded the app for the card but since then it's just showing that your partner system is under maintenance. I had uninstalled and reinstalled the app thinking that it might be a glitch but it's still the shame. Kindly do something about it as it's really demotivating to opt for your card and facilities. I was looking forward eagerly for your card. Kindly look into the matter please.
793 people found this review helpful
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Uni Cards
16 July 2022
Hey there, we deeply regret the inconvenience caused. We would like to inform you that due to internal policies the onboarding process is on hold at the moment. Unfortunately, we do not have any dedicated timeline for this. Request your cooperation and patience. We will reach out to you once we can offer a card.