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    Home › Salary Advances
    Marketplace · Lending

    Earned-wage access, without the payday stress

    Let employees draw a part of earned salary when they need it — without tying up your working capital.

    Kredily connects your team to salary advances and earned-wage access through RBI-regulated lending partners, right inside the employee app. You offer a valued benefit; a regulated partner funds it, under its own terms. Kredily is the platform, not the lender.

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    Earned-wage access In the employee app RBI-regulated partners
    Salary advance
    Kredily insurance dashboard — group health enrolment, endorsements and members Kredily insurance dashboard — group health enrolment, endorsements and members Kredily insurance dashboard — group health enrolment, endorsements and members Kredily insurance dashboard — group health enrolment, endorsements and members
    A partner-funded benefit

    Financial wellness, funded by partners

    Earned-wage access reduces money stress and improves retention — and because a regulated partner funds it, offering it doesn’t tie up your working capital.

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    Draw earned salary early

    Employees access a portion of salary they’ve already earned, when they need it — through a regulated partner.

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    In the app they already use

    Requests happen in the Kredily employee app, alongside payslips and leave — no separate sign-up journey, and AI Copilot answers questions about their own salary and payslips before they decide.

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    Recovered through payroll

    The lending partner funds advances; repayments are recovered automatically from payroll as EMIs, with every advance tracked on Kredily’s loan dashboard.

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    Regulated & transparent

    Advances run through RBI-regulated lending partners with clear terms — Kredily is the platform, not the lender.

    How it works

    From request to recovery

    1

    Enable it for your team

    Turn on earned-wage access and let employees know. It shows up in the app they already use for payslips and leave.

    2

    Employee requests an advance

    An employee draws part of already-earned salary through the regulated partner — and can ask Copilot about their own pay before deciding. Eligibility and terms are the partner’s.

    3

    Recovered through payroll

    Repayment deducts automatically as an EMI in the next cycle and shows on the payslip, tracked on Kredily’s loan dashboard — nothing to reconcile by hand.

    Clear on roles

    Who does what

    Lending is regulated — here’s the honest division of responsibility.

    Kredily

    • The platform inside the employee app
    • Payroll-integrated EMI recovery and loan dashboard
    • Not the lender — Kredily doesn’t fund or set terms

    RBI-regulated partner

    • Funds the advance or loan
    • Sets eligibility, pricing and terms
    • The agreement is between the employee and the partner

    Employer

    • Enables the benefit for the team
    • Offers it without tying up working capital (partner-funded)
    • Sees repayments reconciled automatically in payroll
    FAQ

    Salary-advance questions, answered

    Is Kredily the lender?
    No. Kredily is the platform that connects your team to salary advances and earned-wage access; the funds are provided by RBI-regulated lending partners under their own terms.
    Does offering it cost my company anything?
    Advances are funded by the lending partner, not from your working capital, so you can offer the benefit without affecting your cash flow. Talk to us for the specifics for your team.
    Where do employees request an advance?
    In the Kredily employee app, alongside payslips, tax and leave — one place for everything pay-related.
    What lending options are available to employees?
    Salary advances and earned-wage access, plus employee loans where the partner offers them — all provided through RBI-regulated lending partners. The specific products depend on the partner and are shared during onboarding.
    How does repayment work?
    Repayment is typically recovered through salary deduction as EMIs in payroll, and every advance is tracked on Kredily’s loan dashboard so there’s nothing to reconcile by hand.
    Who is eligible for a salary advance?
    Eligibility is set by the lending partner and usually depends on factors like tenure and salary. The employer enables the benefit; the terms of each advance are between the employee and the partner.
    What does it cost the employee, and are fees disclosed?
    Any fees or interest are set by the RBI-regulated partner and disclosed to the employee before they accept — Kredily doesn’t set or add charges. Employees see the terms up front and choose whether to proceed.
    Is my company liable if an employee doesn’t repay?
    The credit relationship is between the employee and the regulated lending partner, which bears the lending risk under its terms. Repayment is typically recovered through payroll where the employee has authorised it. Talk to us for how this works for your team.

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    Pay flexibility, without the cost.

    Earned-wage access through regulated partners — a benefit your team will feel.

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