*This is a proposition by Finja Lending Services
The perfect credit facility
for your business allows you to take the burden of employee advances off your books!. An exclusive real time digital credit facility for individuals whose employers are using our Finja Business portal. Did you know that as a member of Finja Business you are pre approved for instant credit of upto 40% of your pay stub?
Not for you?
Click here for other options that you may choose from.
Who is this for?
This real time digital credit is exclusively designed for employed individuals whose payroll is processed through the Finja Business portal. This is an instant digital credit that gets added to their wallet balance and easily accessible through Finja Card. Now your employees are empowered to manage their financial constraints and stay super productive at work.
1.How can I apply?
If your employer uses our Finja Business portal then this facility will be automatically added to your Finja App after two months of your payroll processing. However, if that is not the case then we have other option for you to choose from.
2. How do I repay?
You have 30 whole days to repay the amount. Select ‘loans’ in your Finja Wallet and click ‘repay’. Enter the amount you are ready to repay and confirm. This will automatically be reflected in your balance. We send you reminders so you don’t miss any payments. This process is digital and hassle free.
3. What if I cannot repay?
You have 30 days to repay your loan. We’ve made sure that the amount is upto 40% of your pay stub to make repayment easy for you. However, in the unlikely event that you are not able to repay, you can call us in with your concerns and we can find a way out for you.
4. How is my loan amount determined?
The credit limit is pre-approved on an individual by individual basis. Our real time algorithms are driven by AI and machine learning that determine the loan amount using your credentials and the credibility of your employer.
5. What is the service fee?
There is a service fee ranging from 2%-7% taken upfront before the loan is disbursed. The fee depends on the your past repayment history, the credibility of your employer and other variants that our algorithm uses.
6. I have other questions.
We are here and happy to help with any questions or concerns. There are a number of ways you can reach us.
