Flexible repayment
Over-pay any day, shorten your tenure, zero penalty.
Kredilo
RBI-registered NBFC partnerMoney that moves as fast as you do.
Borrow ₹10,000 to ₹5,00,000 with fully transparent fees — no hidden charges, no paperwork. In your bank within 30 minutes.
30 minto your bank
100%paperless
⚡ Quick Approval🔒 100% Secure📄 Paperless🏛 RBI Compliant🛡 Data Protected
How it works
Your loan in three quick steps.
1
Apply online
Fill a short form and upload your details. Under two minutes on any device.
2
Instant verification
Our AI verifies your profile and approves in about 30 seconds — no branch visits.
3
Get money
Funds land in your bank account within 30 minutes of approval.
Made for you
Built for how India earns.
💼
Salaried
Get an advance against your next salary, approved in seconds.
🧑🔧
Self-employed
Flexible credit that moves with your cash flow, not a fixed cycle.
🏪
Business owners
Working capital on demand to stock up or seize an opportunity.
🎓
Gig & students
Small, transparent loans for when you’re between Quicks.
The difference
Kredilo vs the old way.
Kredilo
Traditional lender
Approval time
✓ 30 seconds
3–7 days
Paperwork
✓ Fully digital
Physical documents
Disbursal
✓ 30 minutes
2–5 days
Hidden fees
✓ None
Often
Prepayment penalty
✓ Zero
2–4%
Why Kredilo
Transparent by default.
The price you see is what you pay. Every fee shown upfront, before you accept — no surprises, ever.
📅
🔒
Bank-level security
256-bit encryption at every step.
⚡
Lightning fast
Approved in seconds, funded in minutes.
Everything included
Everything you’d expect — and more.
⚡
Approval in 30 seconds
AI decisions, no branch visits.
🏦
Money in 30 minutes
Straight to your bank account.
🌐
8 Indian languages
Borrow in the language you think in.
🎯
Zero prepayment penalty
Repay early, pay less — always.
🔒
256-bit encryption
Bank-grade security on every byte.
📊
The Daily Ladder
Repay a little every day, stress-free.
Find your loan
What do you need money for?
Medical use case
A hospital bill you didn’t plan for.
Planned surgery, an accident, or a family emergency: funds reach your bank in 30 minutes. No waiting on insurance reimbursements.
New · 2026
The Daily Ladder. 30 days, 30 rungs.
Pay a little every day and watch your balance fall in real time. Over-pay on a good day to climb down faster — and shorten your tenure with zero penalty.
A typical descentA little, every day
Eligibility
Check if you qualify.
Most salaried and self-employed Indians do. Here’s what you need:
✓Indian citizen, aged 21–60
✓Monthly income of ₹15,000+
✓Salaried or self-employed
✓PAN, Aadhaar & a bank account
Security & compliance
Built to keep you safe.
🏛
RBI-compliant lending
Every loan is issued through our NBFC partner, Maple Mercantile (Maple Finance).
Every loan is issued through our NBFC partner, Maple Mercantile (Maple Finance).
🔒
256-bit encryption
Your data is encrypted in transit and at rest, always.
Your data is encrypted in transit and at rest, always.
🚫
No data selling
We never sell your personal information to third parties.
We never sell your personal information to third parties.
Smart calculator
See every rupee before you borrow.
Instant, real-time breakdown of what you receive and what you repay. No hidden charges, ever.
✓ No hidden charges or surprises✓ Flexible tenure from 7 to 90 days✓ Repay early with zero penalty
₹1,00,000
30 days
Platform fee (10%)- ₹10,000
GST on fee (18%)- ₹1,800
Interest (1%/day)₹30,000
You receive₹88,200
Total repayment₹1,30,000
Kredilo app
Your loan, in your pocket.
Track repayments, climb the Daily Ladder, and borrow again in a few taps. Available on iOS and Android.
Repayment
Repay your way — flexibly.
Set up autopay once and forget it, or pay manually whenever it suits you. Over-pay any day to finish faster — with zero prepayment penalty.
⚡
UPI Autopay
Approve an e-mandate once; daily rungs are collected automatically.
🏦
Net banking
Pay from any Indian bank account in a few clicks.
💳
Debit card
Use any debit card for one-off or scheduled payments.
📲
UPI / QR
Scan and pay manually from any UPI app, any time.
Trust & compliance
Regulated, secure, and on your side.
🏛
RBI-registered NBFC lending partner🛡
DPDP Act 2023 compliant🔒
256-bit end-to-end encryption📨
Grievance officer: [email protected]FAQs
Any questions?
Kredilo offers loans from ₹10,000 to ₹5,00,000. The exact amount depends on your income, credit profile and our AI assessment.
Interest is 1% per day on the loan amount. Platform fee is 10% of the loan with 18% GST on that fee — all shown upfront, before you accept.
Our AI approves in about 30 seconds. Once approved, money reaches your bank account within 30 minutes during banking hours.
Indian citizen aged 21–60, minimum monthly income ₹15,000, salaried or self-employed, with a valid bank account, PAN and Aadhaar.
Flexible tenures of 7, 15, 30, 60 or 90 days. Repay anytime with zero prepayment penalty.
Yes — Kredilo lends through an RBI-registered NBFC partner. Your data is protected with bank-level security.
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