Gig Worker Loan
Credit that reads your platform earnings, not CIBIL.
A micro-loan for delivery partners, ride-hailing drivers and freelance platform workers. Underwritten on your Zomato, Swiggy, Uber, Ola, Rapido or Amazon Flex earnings. No salary slip needed.
Built for these borrowers.
- Delivery partners: food, groceries, e-commerce
- Ride-hailing drivers: cab, auto, bike
- Home-service & hospitality pros: beauty, cleaning, cooking, chefs, waiters (Urban Company, Pronto, Snabbit, Instahelp)
- Logistics & warehouse staff: Delhivery, Ekart, Amazon Flex, hub and last-mile
What we'll need from you.
Eligibility
- Age 21–58
- Active on at least one gig platform for 3+ months
- Monthly platform earnings ≥ ₹10,000
- PAN, Aadhaar, and a bank account for disbursal
Documents
- PAN and Aadhaar
- Last three months' bank statement (via account aggregator)
- Platform login screenshot or export (auto-fetched where possible)
- Nothing else
What borrowers actually use this for.
- Vehicle repair or service between shifts
- Family emergency without missing a work week
- Fuel and insurance renewal
- Building a credit history when banks say no
See what gig worker loan will cost you.
Answers to what people ask.
I have no CIBIL score. Will I get a loan?
Yes. Our lending partners use your platform earnings and bank cash-flow as the primary underwriting signal, not the bureau score.
How is repayment done?
By default, a small percentage of your next few payouts is netted at source until the loan is repaid. You never miss an EMI because you never had to actively pay it.
Can I take one loan while another is active?
Not simultaneously. Repay the first and your eligibility for a larger second loan increases automatically.
What if I stop working for a while?
You can move to a manual monthly EMI. Let us know so we don't chase you.
Are platform partners like Zomato involved?
Not required. If your platform integrates with us, netted repayment is smoother. But the loan itself is independent.
