FinCred EmpCash (Employee Cash) is a salary advance solution designed to help employees access their earnings before payday. Whether you have an urgent expense, a medical emergency, or just need some extra funds to cover unexpected costs, EmpCash provides a quick and hassle-free way to get your salary when you need it the most.
Unlike traditional loans, EmpCash is linked to your salary, ensuring a seamless repayment process without burdening you with long-term debt.
How Does FinCred EmpCash Work?
01. Login & Complete KYC
Log in to your FinCred account to view your eligible salary advance amount based on data provided by your employer. Complete KYC verification and sign/upload required documents.
02. Apply for Advance
Enter the amount you need (within your eligible limit) and submit your request.
03. Get Instant Approval
Your request is processed in minimal time with quick checks.
04. Withdraw Funds
Once approved, review the final amount and confirm your withdrawal request.
05. Receive Your Salary Early
The requested amount is instantly transferred to your bank account.
06. Automatic Repayment
The advance is deducted from your next paycheck, ensuring a seamless repayment process.
Why Choose FinCred EmpCash?
Instant Access to Your Salary
No need to wait until payday—get a portion of your earned salary whenever required.
No Long-Term Debt
EmpCash is a salary advance, so there's no long repayment periods.
Seamless & Hassle-Free Process
Fast approval, no lengthy paperwork, and funds credited directly to your account.
Transparent & Low-Cost
EmpCash offers clear, upfront interest rates with minimal processing fees—no hidden charges or surprise costs.
Secure & Trusted
Powered by FinCred's robust financial infrastructure, ensuring data security and reliability.
Frequently Asked Questions
Employees whose employers have partnered with FinCred are eligible for EmpCash. Your employer must be enrolled in our service, and you should have completed at least one pay cycle with them. Additionally, you need to have a valid bank account for receiving the funds.
You can typically access up to 50% of your earned but unpaid salary. The exact eligibility amount is calculated based on the days you've worked in the current pay cycle and your average salary. This limit ensures responsible financial management while providing you with necessary funds.
No, using FinCred EmpCash does not affect your credit score. Since this is not a loan but an advance on your earned salary, we do not report to credit bureaus. There are no credit checks involved in the application process, making it accessible regardless of your credit history.
FinCred EmpCash charges a small processing fee per transaction, typically between 2-5% of the advance amount. There are no hidden charges, late fees, or compounding interest rates. All fees are transparently displayed before you confirm your withdrawal request, ensuring you know exactly what you're paying.
Once approved, funds are typically transferred to your registered bank account within minutes. For most users, the entire process from application to receiving funds takes less than 1 hour. However, depending on your bank, it might take up to 24 hours for the funds to reflect in your account.
Yes, you can use EmpCash multiple times in a month, as long as you haven't exceeded your eligible limit. Each withdrawal reduces your available balance for the current pay cycle. This flexibility allows you to manage unexpected expenses throughout the month while maintaining responsible financial habits.
