Uni

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:

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Uni Paychek

Receive a 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 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

😇Over 2 Lakh happy users have made Paychek a part of their monthly finances

You can also choose from 2 variants 15 day and 30-day plans. The 30-day plan comes with a nominal subscription fee. Try it today!

How to begin (Steps for new users)

1. Download the Uni app

2. Check eligibility

3. Complete KYC

4. Subscribe 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

Carry forward fee = Rs 19,276 + GST

Total amount to be paid = Rs. 71,275 + GST

*Carry forward fee varies based on customer risk profile.

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NX Wave Credit Card

The next-gen credit card for reward-lovers is here. Issued by SBM Bank & Yes Bank in co-brand partnership with Uniorbit Platform Services Private Limited, the NX Wave Credit Card brings you an incredible experience and value like nothing you’ve seen before.

What the Wave brings you:

> 1% cashback* on your spendings

> 5x more value than your cashback at the Uni Store

> 0% forex markup fee. Pay nothing extra on international transactions

> Lifetime FREE: no annual or renewal fee

> Choice of six breathtaking colors

> Fuel surcharge waiver

*Not applicable on fuel purchase, rent & wallet transfers, ATM withdrawals & international transactions.

Your NX Wave Credit Card is super secure:

* Stay in control: manage your card and its limits from the Uni app

* Avoid mishaps: Freeze/unfreeze your physical card if lost

* Strong on privacy: PCI-DSS certified, so your data is always safe

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To know more, you can always check our website 🌐 paychek.uni.club and 🌐 www.uni.cards 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

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🎖All loans are facilitated through Uniorbit Technologies Pvt Ltd (LSP and DLA) in partnership with lending partners (RBI regulated entities) as given below.

NBFC - NDX P2P Private Limited (“Liquiloans”)

NBFC - Transactree Technologies Private Limited (“Lendbox”)

NBFC - Northern Arc Capital Limited

NBFC - Kisetsu Saison Finance (India) Private Limited