Short answer: Refyne and Jify are not loan apps you can sign up to on your own. Both offer earned wage access: if your employer has partnered with them, you can withdraw part of the salary you have already earned before payday, and it is recovered from your salary. Neither charges interest on these withdrawals; both charge a per-transaction fee (Jify from ₹5; Refyne slab-based).
Last verified: 12 October 2026 from each company’s official website and, where marked, its Google Play listing. Rates and fees change; the lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms. FundsTiger does not rank lenders.
Refyne vs Jify at a glance
| Refyne | Jify | |
|---|---|---|
| How it works | Lets employees of partner employers withdraw part of the salary they have already earned before payday. | Lets employees of partner employers access part of their salary as they earn it. |
| Who can use it | Only employees of partner employers (on-roll and off-roll); individuals cannot sign up directly | Only employees of partner employers |
| How much you can withdraw | A portion of accrued salary; limits and number of withdrawals set by the employer. Larger borrowing up to 1.5x after checks. | Set by the employer (no percentage published) |
| Fees | No interest on salary withdrawals; slab-based convenience fee by amount (amounts not published) | No interest; processing fee per transaction from ₹5 |
| Repayment | Deducted from that month’s salary. Larger borrowings repaid in EMIs over 3, 6 or 9 months. | Recovered through payroll by the employer. Repayment in 3 EMIs only if the employer enables it. |
| Other products | Larger loans, RuPay credit cards, employee purchase programme, financial literacy | Money manager, savings tools, credit score tracking, leasing, loan against assets |
| RBI-regulated lending partners | Sunita Finlease, Olety Finance, Junoon Capital Services, Refyne Finance | K.M. Global Credit (Credit Fair), NDX P2P (LiquiLoans), Whizdm Finance |
| On RBI’s digital lending app list | Yes: 2 RBI-regulated lenders list it; 10L+ installs | Yes: 1 RBI-regulated lender lists it; 10L+ installs, rated 3.9 |
Key differences
- Fee: Jify states a fee from ₹5 per transaction; Refyne charges a slab-based fee but does not publish the amounts.
- Limit: both let your employer set how much and how often you can withdraw.
- Bigger needs: Refyne offers larger borrowing up to 1.5x after checks, repaid in 3, 6 or 9 EMIs. Jify allows 3 EMIs only if your employer enables it.
- Extras: Refyne adds credit cards and an employee purchase programme; Jify adds savings tools and credit score tracking.
Earned wage access vs a salary advance loan
Earned wage access gives you money you have already earned, and your employer recovers it from your next salary. A salary advance loan from an app is a loan: it charges interest and fees, and missed EMIs go on your credit report. If your employer offers earned wage access, it is usually the cheaper option for small, short gaps. See our advance salary loan guide for app-based options.
Which should you choose?
Refyne may suit you if your employer offers Refyne and you may need a larger amount over a few months.
Jify may suit you if your employer offers Jify and you want a published fee from ₹5.
Whichever you pick, compare the APR in the KFS you are actually offered, not the advertised starting rate.
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Can I use Refyne or Jify without my employer?
No. Both work only through employers that have partnered with them. If yours has not, see our advance salary loan guide for loan apps that lend against your salary.
Is earned wage access a loan?
Both describe salary withdrawals as access to pay you have already earned, not a loan, and charge no interest. Larger amounts or EMI repayment through them are loans from partner lenders.
Are these lenders RBI-regulated?
The loans described here are given by RBI-registered NBFCs or banks named in the table. Check the lender named in your loan agreement on RBI’s digital lending app list.
Where do these figures come from?
From each company’s official website and, where noted, its Google Play listing, checked on 12 October 2026. Where a company’s own pages disagree, we show both figures.
Sources
Read more: Refyne app review · Jify app review · All loan app reviews · Lender directory
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.