Short-term credit · Salaried professionals · India
Get ahead.
Borrow smarter.
₹5,000 to ₹1,00,000 from your phone. Most decisions inside 30 minutes, repaid over up to 180 days, and cleared early at no extra cost.
- 2-minute soft check, no effect on your score
- No charge for paying early
Figures are an illustration. Your rate depends on your credit profile. Loans are issued by [LENDER NAME], RBI registration [RBI REGISTRATION NUMBER].
- ₹5k–₹1Lto borrow, from your phone
- 30 minto most decisions
- 180 daysmaximum tenure
- ₹0to clear your loan early
One loan.
Every way to move ahead.
The application is identical for all of them. You tell us the purpose so we can size the offer sensibly.
Personal and household
Home repairs, a school fee, a deposit, a gap between salaries. The most common reason people come to us, and the least complicated.
Apply nowMedical emergency
Hospital bills do not wait for a salary date, so these are the applications we turn around fastest. Apply against the estimate — there is no need to wait for a discharge summary first.
Apply nowTravel
Book the tickets now and spread the cost across the months after the trip, rather than saving up for a year first.
Apply nowElectronics purchase
A television, a fridge, a laptop. Buy it outright rather than on the shop's instalment plan, and repay gain1 over a tenure you set at the start.
Apply nowShopping
Festival season, a wedding list, a wardrobe you have put off replacing. Spread it over a fixed tenure instead of carrying it on a card for months.
Apply now
Loan calculator
Know the cost
before you apply.
An illustration at the maximum processing fee. Your own rate is confirmed on the offer before you accept it.
You repay, due 15 November 2026
₹39,000- Principal
- Interest, up to 1%/day
- Loan amount
- ₹30,000
- Processing fee, 10%
- − ₹3,000
- GST on the fee, 18%
- − ₹540
- Credited to your account
- ₹26,460
- Interest × 30 days
- ₹9,000
How it works
Money in your account,
in four steps.
- Step 01
Check eligibility
Answer a few questions about your income and where you live. 2 minutes, and it is a soft check that does not affect your credit score.
- Step 02
Upload documents
Identity, address and income proof, photographed on your phone. Nothing needs to be printed or posted.
- Step 03
Get a decision
Applications are assessed digitally against the same criteria, so most decisions land inside 30 minutes.
- Step 04
Money disbursed
Accept the offer and the amount goes straight to your bank account, usually the same day.
More ways to get ahead,
all in one place.
Rates and fees
Pricing, in plain sight.
Nothing is added after you accept an offer. If a charge is not on this page, we do not charge it.
- Interest1%per day, at most
Charged only for the days you hold the money — up to 36% APR.
- Processing fee10%of the loan, at most
Taken once, before the money is sent.
- GST18%on the fee only
Never on the amount you borrow.
- Paying early₹0to clear it any day
Interest stops the day your payment clears.
- Late payment[LATE FEE]if a due date is missed
Talk to us before the due date and we will work out what can be done.
Worked example
Follow ₹50,000 through a 90-day loan
- You borrow₹50,000
- Processing fee, 10%− ₹5,000
- GST on the fee, 18%− ₹900
- Lands in your bank₹44,100
- Interest, 1% × 90 days+ ₹45,000
You repay on day 90
₹95,000
Shown at the maximum fee and rate. Your offer states your own figures before you accept anything.
The full rate card, more worked examples and what happens if you repay late are on the rates and fees page.
See the full rate cardQuestions
Questions, answered.
Anything not covered here, our support team answers on [PHONE NUMBER], Mon to Sat, 9:30am – 6:30pm.
It depends on your credit history, your income and the tenure you pick. Shorter tenures generally carry lower rates. Your exact rate is shown on the offer before you accept anything, never after.
Anything you like. Most people borrow for household costs, a medical bill, travel or a large purchase, but we do not restrict what the money is spent on. We ask the purpose only so we can size the offer sensibly.
No. These are unsecured loans, so nothing of yours is pledged against them. Approval rests on your income and credit history instead.
Once you accept the offer, the amount goes to the bank account you nominated, usually the same day. Bank processing times vary, so it can occasionally land the next working day.
A late payment fee applies and the missed payment is reported to the credit bureaus, which affects your score. If you think you will miss a payment, contact support before the due date and we will work out what can be done.
Ready to get ahead?
Two minutes, no documents needed yet, and a soft check that does not affect your credit score. You will see the amount, the tenure and the exact cost before you commit to anything.
Find out what you qualify for