The loan journey

From first click to money in your account

Seven clear steps. At each one you know what happens next, what we need from you and when you can stop.

Choose a loan and check your EMI

Pick the loan that fits your need, then use the EMI calculator to find an amount and tenure that keeps your total EMIs comfortable.
Few minutes
Apply and share details

Fill the short online application with your loan, personal and income details. We do not ask for OTPs, card details or banking passwords at this stage.
5 to 10 minutes
Verification and KYC

With your consent we verify your identity and address, check your credit report with a credit bureau and review your income documents.
add your typical time
Our decision

We tell you whether the loan is approved, the amount, tenure and rate. If it is declined, you can ask for the main reason.
add your typical time
Read your Key Fact Statement

Before you accept you receive the KFS with the APR, all fees, the repayment schedule, the recovery mechanism and the grievance contacts. You can say no here.
Take your time
Accept, sign and set up EMI

Accept the terms, sign the loan agreement and set up your auto-debit (e-NACH or e-mandate). You receive a copy of every document.
Few minutes
Money in your account

The loan, after deduction of the fees written in your KFS, is credited directly to your own bank account.
add your typical time

Timing note: Time taken depends on how quickly documents are shared and verified. We will tell you the expected timeline when you apply.

After the loan is disbursed

What happens next

The first EMI date and amount are in your repayment schedule. Keep enough balance in the linked account one day before the due date.

You can ask for your loan statement and repayment schedule at any time, free of charge.

Your repayments are reported to credit bureaus. On-time EMIs help your score grow.

Pay extra toward principal when you have spare cash. Check your KFS for the rule on your loan.

Repay the full outstanding to close the loan early. We issue a No Objection Certificate after closure.

Tell us if your phone, address or bank account changes so reminders and mandates keep working.

If repayment gets difficult

Job loss, illness or a delayed salary can happen. The best step is to contact us before the due date.

Tell us what changed. Our team will explain the options that are available for your account.
Do not take another loan to repay this one without checking the total cost.
Keep records. Note dates and names of everyone you speak to.
Know your rights. Recovery must be respectful, between 8:00 am and 7:00 pm, with no threats.

Work out your EMI, read the terms, and apply only when the numbers feel right. Our team will explain anything you are unsure about.