OYE Loans is a financial service provider specializing in personal loans for first-time applicants who lack credit history. The company targets young professionals and salaried individuals who need quick access to cash for emergencies or personal needs. Operating in the fintech sector, OYE Loans simplifies the loan application process by allowing users to apply online, choose their loan amount, upload necessary documents, and complete KYC (Know Your Customer) requirements through a selfie and bank statement. Loans are disbursed through Northern Arc Capital Limited, a licensed and regulated non-banking financial company (NBFC) by the Reserve Bank of India (RBI).

The business model focuses on providing fast, affordable, and hassle-free loans with easy repayment options. OYE Loans makes money through interest charged on the loans and fees associated with the loan application process. The company aims to empower the young, smart, and fast-moving generation by making personal loans accessible even to those without a credit history.

Keywords: personal loans, first-time applicants, no credit history, quick approval, easy repayment, young professionals, salaried individuals, fintech, online application, KYC.