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From Debt Consolidation to Escaping Payday Loan Traps
Employee financial wellness has emerged as one of the most overlooked yet critical drivers of workplace productivity, retention, and engagement. While companies invest heavily in mental and physical wellness programs, financial stress remains a silent disruptor—impacting focus, morale, and long-term performance.
At Omozing, we believe financial wellness begins with access to responsible credit, not quick fixes. Our approach is designed to help employees regain financial control, especially those struggling with high-interest debt, payday loan traps, or low CIBIL scores.
The Real Problem
Across India, a large segment of salaried employees face multiple high-interest loans, credit card rollovers, and payday loan dependencies.
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Omozing enables employees to combine multiple loans into one manageable EMI, replacing high-interest payday loans and credit cards. By consolidating fragmented debt into a structured, NBFC-backed personal loan, employees regain visibility and control.
Instant payday loan apps often promise quick money at extremely high effective interest rates and short tenures. Omozing actively helps employees exit these traps by offering transparent, regulated NBFC lending with flexible EMIs.
A low CIBIL score often becomes a lifelong barrier. Omozing’s credit evaluation goes beyond just the CIBIL score. We assess income stability, employment profile, and repayment capacity to provide fair access to formal credit.
Beyond the Score
Holistic Assessment
Income Stability + Repayment Capacity
Traditional solutions like salary advances create administrative complexity and payroll stress. Omozing’s model is HR-light and employee-first: no employer guarantees, no payroll deductions, and no balance sheet exposure.
HR teams simply enable access; employees manage independently.
By replacing irregular, high-interest loans with a single structured EMI, employees develop repayment discipline and reduce defaults. This long-term improvement benefits employees far beyond the workplace—impacting housing and future security.
Higher Productivity
Lower Attrition
Stronger Branding
Focused Employees
Clear terms, no hidden charges
RBI-compliant NBFC lending
Helping employees rebuild, not borrow endlessly