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Credigo is a platform for Earned Wage Access, offering swift and convenient access to Earned Salary.
We understand that financial emergencies can occur suddenly, and our goal is to offer quick and convenient credit solutions in such crucial moments. Our services aid organizations in enhancing productivity, decreasing attrition rates, promoting financial well-being among employees, and establishing themselves as employers of choice.
We partner with organizations to provide these services with no charges, no obligations, and no adverse effects on the organization’s cash flow.
Credigo welcomes participation from any type of organization, whether it be a private company, public corporation, non-profit organization, or government agency. Both on-roll and off-roll employees have access to Credigo’s services.
Kindly reach out to us via email at sales@credigo.in to initiate discussions regarding partnership opportunities with your company. Following successful onboarding, your employees will be able to utilize Credigo’s services.
Throughout the onboarding, integration, deployment, and rollout stages, a dedicated Account Manager will be available to provide you with support and guidance.
Employees can access Credigo via the Web app, Android app, IOS app and Website. Employees can login via their registered phone number or email on the app or website.
You can share your attendance and payroll data with us either manually or through integration. Our support team is available to seamlessly integrate your HRMS, Payroll, or Attendance Management systems, streamlining the process for your HR team and eliminating additional effort.
Credigo’s Earned Wage Access Platform carries no liability or risk for the employer. Your company will not be responsible for any funds withdrawn by the employees.
Employers incur no fees when partnering with Credigo.
You can provide our Earned Wage Access Platform to your employees without any charges, risks, or liabilities.
As the funds are supplied by our financial partners, there is also no effect on your working capital.
When employees access funds, they will incur a transaction fee. However, there are no interest fees or any other hidden charges involved.
Integration with various partners such as financial services, technology, and payroll is necessary to offer Earned Wage Access services. The transaction fee allows us to operate the Financial Wellness Platform and grant access to funds without interest or any concealed fees.
No. Access to Credigo is restricted once an employee exits the company.
It takes between 1 to 4 weeks for a company to offer Credigo’s services to its employees.
You can reach Credigo’s customer support via telephone and email.
Phone – +91 9599442568
Email – support@credigo.in
Advance On-Demand is a service that enables employees, to avail advance against their earned but unpaid salary, any time before payday.
Credigo seamlessly connects with the employer’s HRMS, Payroll, or Attendance Management System, retrieving real-time data. We calculate eligibility based on the number of days an employee has been present in the current month.
Employees can log in to the Credigo App and withdraw any amount lower than their eligibility, subject to a transaction fee. They can withdraw in multiple tranches. Credigo will reconcile the total advances taken by the employee before the next payroll cycle.
Employees can withdraw a portion of the earned salary based on attendance marked. The amount can be as per their requirement, even as small as Rs. 500.00. The employer can customise the percentage of earned salary that can be withdrawn.
There are no restrictions on number of withdrawals. Employees can avail themselves as and when they require.
Employers typically offer medium to long term advances. Credigo offers short term advances to manage the mismatch in immediate cashflows between the payday cycles.
Employees authorise their employer to debit their next salary and remit the total advance taken to the financial partners of Credigo, to repay the advance. They can borrow afresh from the next month.
No. As Advance taken will only reflect on Employee’s credit history.
Advance requests are typically processed in 2-4 hours during business hours (10am – 4pm, Mon-Fri, except Bank Holidays), but may take upto 3 business days. Please note employee’s respective bank may take up to 5 days to show the credit.
To access our services, your company must partner with Credigo. You can inquire with your HR team to determine if Credigo’s services are currently available.
If your company has not yet partnered with Credigo, you can initiate the discussion by reaching out to sales@credigo.in and including your HR team in the correspondence.
You can access Credigo via the Web app, Android app, IOS app and Website. Employees can login via their registered phone number or email on the app or website.
Only 5.5% of Indians have access to credit cards. Credigo’s Earned Wage Access Platform offers interest-free, on-demand access to Earned Salary for the underserved and unserved populations, particularly those with limited or no credit history. The advance amount taken by users can never exceed their earned salary, mitigating the risk of falling into debt traps, and is automatically deducted from the subsequent payroll.
Credigo does not impose any interest, convenience, or documentation fees. Our only charge occurs in the form of a transaction fee when you request an Advance.
Integration with various partners such as financial services, technology, and payroll is necessary to offer Earned Wage Access services. The transaction fee allows us to operate the Financial Wellness Platform and grant access to funds without interest or any concealed fees.
Your employer needs to partner with Credigo and your HR team has to activate your account. Once activated, you can download the Credigo app and sign up using your registered mobile number or email id.
No. Access to Credigo is restricted once you exit the company.
You can reach Credigo’s customer support via telephone and email.
Phone – +91 9599442568
Email – support@credigo.in
Advance On-Demand is a service that allows you to access an advance against your earned but unpaid salary at any time before your payday. The remainder of your salary will be credited to your account on payday.
Credigo seamlessly integrates with your employer’s HRMS, Payroll, or Attendance Management System, retrieving real-time data. We then offer an Advance based on the number of days you have been present so far in the month.
You can log in to the Credigo App and withdraw a portion of your earned salary, subject to a transaction fee. Credigo will reconcile the advance taken with your employer before the next payroll.
You can withdraw a portion of the earned salary based on attendance marked. The amount can be as per your requirement, even as small as Rs. 500.00.
There are no restrictions on number of withdrawals. You can make withdrawals, as many times as you desire .
You shall be required to authorise your employer to debit your next salary and remit the advance taken to financial partners of Credigo, to repay the total advance taken. Once it gets repaid, you can again start taking advances in the next month.
Timely repayment of Advance taken will help you improve their credit score. Advance taken by you will be adjusted by the Employer from the next payroll and repaid to Credigo’s finance partner.
Advance request are typically processed in 2-4 hours during business hours (10am – 4pm, Mon-Fri, except Bank Holidays), but may take up to 3 business days. Please note your bank may take upto 5 days to show the credit.
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