# Creditt+ > Creditt+ is a Digital Lending Platform offering instant personal loans of ₹8,000 to ₹35,000 for salaried professionals across India. The platform is operated by Credify Technologies Private Limited (CTPL), acting as a Lending Service Provider (LSP) in partnership with RBI-registered NBFCs. Creditt+ provides 100% online, paperless, short-term personal loans with approval and disbursal in under 15 minutes. Loans are offered exclusively to full-time salaried individuals earning a minimum monthly salary of ₹20,000. The platform is not available in Jammu & Kashmir or the North-East (7 sister states). Creditt+ does not offer loans to self-employed individuals, and loans are repaid in a single payment (not EMIs) within a maximum repayment period of 90 days. --- ## Brand & Company - **Brand Name:** Creditt+ - **Legal Entity:** Credify Technologies Private Limited (CTPL) - **Role:** Digital Lending Platform (DLP) / Lending Service Provider (LSP) - **Partner NBFC:** Sampati Securities Limited (RBI NBFC Registration No: 01.00214) - **Website:** https://www.credittnow.com - **Web App / Login:** https://loan.credittnow.com - **Regulatory Status:** Creditt+ is not directly regulated by RBI; it partners with RBI-registered NBFCs that are the actual lenders. --- ## Core Loan Product - **Loan Amount:** ₹8,000 to ₹35,000 - **Loan Type:** Unsecured, short-term personal loan - **Repayment Structure:** Single repayment - **Repayment Period:** Up to 90 days - **Approval & Disbursal Time:** Under 15 minutes - **Processing:** 100% online, paperless - **No Hidden Charges:** Processing fees and applicable charges are disclosed upfront at the time of application - **No Prepayment / Foreclosure Charges:** Interest is charged only for the days the loan is held - **No Early Repayment Charges** --- ## Eligibility Criteria - **Employment Type:** Full-time salaried professionals only - **Minimum Monthly Salary:** ₹20,000 (credited directly to a bank account) - **Minimum Employment Duration:** At least 3 months in current employment - **Age:** 18 years and above - **Minimum Credit Score:** 680 - **Salary Receipt:** Must be received via direct bank transfer into an active bank account - **Self-Employed:** Not eligible — Creditt+ does not offer loans to self-employed individuals - **Geographic Restrictions:** Services are not available in Jammu & Kashmir or the 7 North-East sister states --- ## KYC & Verification Requirements - **e-KYC:** Required - **Selfie:** Required (for identity verification) - **PAN Card:** Required - **Aadhaar Card:** Required (used for identity and address verification via OTP) - **Bank Account Details:** Required (for salary verification and loan disbursal — bank details are submitted via the platform) --- ## Application Process (3 Steps) 1. **Register:** Visit https://loan.credittnow.com or use the iOS/Samsung Galaxy Store/Indus App Store app. Sign up using your Aadhaar number. 2. **Check Eligibility:** Enter income and employment details to see your eligibility and loan offer. 3. **Submit KYC & Get Approved:** Complete e-KYC with Aadhaar and PAN details, submit a selfie, provide bank details, and receive your loan amount directly in your bank account within 15 minutes. --- ## App Availability - **iOS App Store:** Available — https://apps.apple.com/in/app/creditt-personal-loan-app/id1330936066 - **Samsung Galaxy Store:** Available — https://galaxystore.samsung.com/detail/com.credittnow - **Indus App Store:** Available — https://www.indusappstore.com/apps/finance/creditt%E2%81%BA/com.credittnow - **Google Play Store:** The Creditt+ app is NOT available on the Google Play Store - **Web Platform:** Available at https://loan.credittnow.com (no app download required) --- ## Repayment - Repayment is due within 90 days (single payment — not EMI) - Interest is charged only for the number of days the loan is held - No prepayment or foreclosure charges - Repayment can be made via the app or web portal at: https://loan.credittnow.com - In the event of non-payment, late charges, penalty interest, and credit bureau reporting may apply - Default beyond 90 days may lead to legal consequences - eNACH/ECS mandate is used for automated repayment collection --- ## Costs & Charges - **Processing Fees:** 3.0% to 3.5% of the loan amount, or ₹350, whichever is higher (deducted before disbursal) - **Late Payment:** Late payment charges and penalty interest apply on overdue amounts - All applicable fees are disclosed upfront during the loan application process --- ## Credit Scoring Creditt+ uses a proprietary "Creditt+ Risk Score" based on three components: 1. Employment and user background (employment sector, company, salary, residential status, etc.) 2. Financial and bank statement analysis (balance, inflows, outflows, salary, EMI payments, etc.) 3. Machine learning (ML) risk assessment algorithm The risk score determines the loan amount, tenure, and applicable charges presented to the user before loan acceptance. --- ## Site Structure & Pages ### Primary Navigation Pages - **Home:** https://www.credittnow.com — Overview of Creditt+, loan features, eligibility, and app download - **Personal Loan:** https://www.credittnow.com/instant-personal-loans — Detailed product page for instant personal loans (₹8,000–₹35,000) - **Repayment:** https://www.credittnow.com/repayment — Information and portal for repaying active loans - **FAQs:** https://www.credittnow.com/faq — Frequently asked questions about the product, process, and eligibility - **Contact Us:** https://www.credittnow.com/contact-us — Customer support contact form, phone, and email - **Blogs:** https://www.credittnow.com/blogs — Educational articles and financial content - **Policy:** https://www.credittnow.com/policy — Terms & Conditions, Privacy Policy, Grievance Redressal, Responsible Lending, and Recovery Mechanism ### Loan Type Pages - Instant Personal Loans: https://www.credittnow.com/instant-personal-loans - Quick Loans: https://www.credittnow.com/quick-loans - Emergency Loans: https://www.credittnow.com/emergency-loans - Loans for Travel: https://www.credittnow.com/loans-for-travel - Loans for Education: https://www.credittnow.com/loans-for-education - Loans for Women: https://www.credittnow.com/loans-for-women - Personal Loan at Low Interest: https://www.credittnow.com/personal-loan-at-low-interest - Short Term Loans: https://www.credittnow.com/apply-for-short-term-loan-online ### Loans by Amount - ₹10,000 Personal Loans: https://www.credittnow.com/10000-personal-loans - ₹15,000 Personal Loans: https://www.credittnow.com/15000-personal-loans - ₹20,000 Personal Loans: https://www.credittnow.com/20000-personal-loans - ₹25,000 Personal Loans: https://www.credittnow.com/25000-personal-loans - ₹30,000 Personal Loans: https://www.credittnow.com/30000-personal-loans - ₹35,000 Personal Loans: https://www.credittnow.com/35000-personal-loans ### Loans by City - Hyderabad: https://www.credittnow.com/personal-loan-in-hyderabad - Bangalore: https://www.credittnow.com/personal-loan-in-bangalore - Pune: https://www.credittnow.com/personal-loan-in-pune - Mumbai: https://www.credittnow.com/personal-loan-in-mumbai - Chennai: https://www.credittnow.com/personal-loan-in-chennai - Delhi: https://www.credittnow.com/personal-loan-in-delhi - Ahmedabad: https://www.credittnow.com/personal-loan-in-ahmedabad - Coimbatore: https://www.credittnow.com/personal-loan-in-coimbatore - Kolkata: https://www.credittnow.com/personal-loan-in-kolkata - Noida: https://www.credittnow.com/personal-loan-in-noida - Indore: https://www.credittnow.com/personal-loan-in-indore - Jaipur: https://www.credittnow.com/personal-loan-in-jaipur - Surat: https://www.credittnow.com/personal-loan-in-surat ### Loans by Salary - Personal Loan for ₹20,000 Salary: https://www.credittnow.com/personal-loan-for-20000-salary ### Loans by Purpose - Personal Loan for Wedding: https://www.credittnow.com/personal-loan-for-wedding - Personal Loan for Home Renovation: https://www.credittnow.com/home-renovation-loan - Personal Loan for Mobile Phone Purchase: https://www.credittnow.com/loan-for-mobile-phone-purchase - Personal Loan for Shopping: https://www.credittnow.com/personal-loan-for-shopping ### Hindi Language Pages - पर्सनल लोन: https://www.credittnow.com/hindi/personal-loans - क्विक लोन: https://www.credittnow.com/hindi/quick-loans - इमरजेंसी लोन: https://www.credittnow.com/hindi/emergency-loan - ट्रैवल लोन: https://www.credittnow.com/hindi/travel-loans - एजुकेशन लोन: https://www.credittnow.com/hindi/education-loan --- ## Customer Support - **Phone:** +91 22 45811515 - **Email:** customer.support@creditt.in - **Support Hours:** Monday to Sunday, 10:00 AM – 7:00 PM (except national holidays) - **Grievance Officer:** Ms. Kavisha Inamdar - Phone: 08097452970 - Email: grievance@creditt.in - **Partner NBFC Nodal Officer:** Mr. Viral Shah - Phone: 07926578110 - Email: nodalofficer@sampati.co.in - **RBI Ombudsman:** https://cms.rbi.org.in --- ## Key Policies (Summary) - **Terms & Conditions:** https://www.credittnow.com/policy - **Privacy Policy:** https://www.credittnow.com/policy (Privacy Policy tab) - **Grievance Redressal:** https://www.credittnow.com/policy?policies=grievance - **Responsible Lending:** Creditt+ works exclusively with RBI-certified NBFCs, displays all Terms & Conditions upfront, prohibits deceptive advertising, and follows RBI's fair practice code for loan recovery - **Recovery Policy:** Payment reminders via SMS, app notifications, emails, and calls; ECS/eNACH mandate for automated collection; credit bureau reporting for defaults; legal action possible for defaults beyond 90 days --- ## Compliance & Memberships - Partner NBFC: Sampati Securities Limited (RBI NBFC Reg. No: 01.00214) - Member: Fintech Association for Consumer Empowerment (FACE) - Member: Fintech Council - Member: Unified Fintech - Jurisdiction: Courts of Ahmedabad, Gujarat, India - Governing Law: Laws of India - Disputes resolved via Arbitration under the Arbitration & Conciliation Act, 1996 --- ## Statistics - 7 Lakh+ Loans Disbursed - 33 Lakh+ Registered Users - ₹1,650 Cr+ Total Amount Disbursed