Frequently Asked Questions

Kredit724 is India's digital personal loan platform. We provide quick, secure, and transparent loans ranging from Rs. 1,500 to Rs. 2,00,000. Our lending partner is NARAINSONS INVESTMENTS FINANCE AND CONSULTANCY PRIVATE LIMITED.

Applying is simple! Download the Kredit724 app, register with your mobile number, submit your PAN Card/Aadhaar for verification, choose your desired loan amount and term, and get approved within minutes. Funds are disbursed directly to your bank account or UPI.

To be eligible for a Kredit724 loan, you must be at least 18 years old, have a valid Indian PAN Card/Aadhaar, have an active bank account or UPI, and have an active Indian mobile number.

You can borrow between Rs. 1,500 and Rs. 2,00,000 depending on your eligibility and credit assessment. Final loan terms are disclosed before acceptance through the KFS and loan agreement.

The interest rate ranges from 15.95% to 35.95% per annum, with a maximum APR of 50% per annum. Processing fee ranges from 1% to 7.5% of the loan amount, and GST applies on fee components as per Indian law. All charges are disclosed before acceptance.

Late payment charges are applicable only in case of delayed repayment and are disclosed in the KFS and loan agreement. We encourage you to contact us if you're having difficulty making payments.

You can repay your loan through UPI (GPay, PhonePe), or direct bank transfer. Multiple convenient payment options are available to make repayment easy and hassle-free.

Yes, your data security is our top priority. We are RBI registered and follow strict data protection protocols. Your personal and financial information is encrypted and never shared with unauthorized third parties.

Yes, you can click 'Quit' anytime during the application process. If you applied by mistake, please repay within 24 hours and reach out for free cancellation assistance. All Kredit724 loans are processed only with your consent.

Most applications are approved within minutes. We have a 99.8% approval rate, and once approved, funds are disbursed directly to your account almost instantly.