How it works
From first question to final repayment
A clear, step-by-step process. You can see where you are at every stage, and nothing is agreed until you've read the terms.
Step 1: Check eligibility
Answer six quick questions about your age, location, work and income. No documents and no credit check.
A preliminary check is not a lending decision.
Step 2: Complete your application
Verify your mobile, add your details and choose an amount. Progress saves after every step, so you can finish later.
Step 3: Verify & review your offer
The lender verifies your identity, income and credit history. If approved, you'll get a Key Facts Statement with every term.
Step 4: Accept only if it suits you
Accept the disclosed terms if they're right for you. The lender pays your own bank account, and a cooling-off period applies.
1. Preliminary eligibility
- Six questions: age, state, work, income, how you're paid, and existing repayments.
- We compare your answers with the lender's published preliminary criteria.
- No documents, no credit check, nothing stored against your name.
2. Your application
- Verify your mobile number with a one-time code.
- Add your personal, work and income details — we explain why each is needed.
- Choose an amount and term and see the estimated cost alongside.
- Upload your PAN details and salary slip. Progress is saved after every step.
3. Verification & offer
- The lender verifies your identity (KYC), income and credit history.
- You may be asked for more information — your dashboard tells you exactly what.
- If approved, you get a Key Facts Statement with every cost, the APR, the repayment date and complaint contacts.
4. Your decision
- There is no obligation to accept. Take your time to read the KFS.
- If you accept, the lender pays the money directly into your own bank account.
- A cooling-off period (3 days in the example configuration) lets you exit by repaying the principal and proportionate cost, without penalty.
After you get the money
Your dashboard shows the due date, the amount due and lender-authorised ways to pay. Repayments go straight to the lender. A payment is shown as complete only after the lender confirms it, and you get a receipt every time.