India loan radar · checked partner list

Payday-style loans in India, with local costs and repayment details in view.

Compare 2 checked partner-supplied services used by people searching for instant personal loan, payday-style loan and digital credit. Every profile explains service role, amount wording, cost questions, data permissions and what must be confirmed in the live India agreement.

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A checked partner-listed service is not an approval promise. Confirm the creditor, APR, fees and total repayment, total INR due, data recipients and repayment date in the written India offer.

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2 checked services with full reviews

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2 of 2 offers shownProfiles are checked; the live creditor agreement controls.

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Paisa 247

Digital loan marketplace and intermediary; not a lender and not an RBI-registered NBFC

Products: Riga Marketplace Paisa247 Private Limited; the terms also use Paisa247 Private Limited
Amount: INR 1,000 in the homepage selector; partner cards show different floors, including INR 500 or INR 1, so no universal Paisa247 minimum is published
Cost: Support/footer says 9.99%–44% APR; the homepage says 10.75%–25% interest and 1%–4% processing fee; the app listing says up to 36% APR. The lender KFS controls
Coverage: India

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Checked

Kredito24

Digital lending platform and Lending Service Provider (LSP); not the NBFC lender

Products: Kredito24 instant cash-loan platform and digital-lending route
Amount: INR 1,000 for the current product route; the FAQ describes INR 1,000–INR 10,000 for first-time applicants
Cost: The calculator example uses 35% annual interest and shows a consulting fee of INR 1,950 plus a service fee of INR 2,100 on INR 10,000 for 91 days. No single universal APR is published; the partner KFS controls
Coverage: India

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Published figures from the linked reviews are shown side by side. A dash means the provider has not published a comparable figure; the signed agreement always controls.

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Offer	Min amount	Max amount	Min term	Max term	Min age	Max age	Rate / interest	GESV / total cost	Documents & eligibility	Payout method	Repayment method	Decision / funding time	Late payment / extension	Citizenship / GEO	Provider & licence	Status
Paisa 247✓ Checked	INR 1,000 in the homepage selector; partner cards show different floors, including INR 500 or INR 1, so no universal Paisa247 minimum is published	INR 25,00,000 in the homepage selector and a partner card; the final ceiling is lender-specific	6 months in the current support/footer disclosure; the official app listing says some partners start at 3 months	60 months in the current support/footer disclosure and official app listing	18 years	Not publicly disclosed; partner eligibility rules apply	Not publicly disclosed; this is not presented as a single daily-rate product	Support/footer says 9.99%–44% APR; the homepage says 10.75%–25% interest and 1%–4% processing fee; the app listing says up to 36% APR. The lender KFS controls	Indian citizenship is required by the privacy policy	The partner lender disburses to the account or payment rail stated in the final offer; Paisa247 does not disburse its own funds	The named lender sets the EMI schedule and payment channels in the KFS and agreement	Paisa247 markets instant recommendations and says more than 60 offers can appear in about 30 seconds; this is not approval	Not publicly disclosed at marketplace level	India	Partner banks and NBFCs make the decision, sign the agreement and disburse; the official app listing currently names Chinmay Finlease Ltd among partners · No lending-licence number identified; Paisa247 says it is not an RBI-registered NBFC	Checked September 14, 2026Review →
Kredito24✓ Checked	INR 1,000 for the current product route; the FAQ describes INR 1,000–INR 10,000 for first-time applicants	INR 40,000; the FAQ says repeat borrowers in good standing may borrow up to this amount	7 days in the FAQ short-term calculator; the lending page also shows a separate instalment route from 3 months	Up to 180 days (about 6 months) in the lending disclosure; product-specific terms may be shorter	22 years according to the official FAQ and provider brief	75 years in the provider brief; the public FAQ states 22 years and above without a separate upper limit	0%–0.2% per day in the current FAQ; overdue interest is stated separately at up to 0.2% per day	The calculator example uses 35% annual interest and shows a consulting fee of INR 1,950 plus a service fee of INR 2,100 on INR 10,000 for 91 days. No single universal APR is published; the partner KFS controls	An active personal bank account in the applicant’s name; the account holder name and number must match. The FAQ says the account should not be opened solely for payroll transfer	Transfer to the applicant’s own bank account after contract confirmation; the site says immediately or within 24 hours, while bank processing can take up to 2 days	Website or mobile app using UPI or net banking; bank-detail repayment instructions can be requested from support	The application form is marketed as taking about 5 minutes; the route has four steps and approval is not guaranteed	An extension may require payment of 50% of the current loan amount plus charges; the exact amount appears in the personal account	India	North East Hire Purchase Co India Pvt Ltd is named as an LSP partner; GSD Trading & Financial Services Pvt Ltd and Asomi Finance Pvt Ltd are also disclosed. The partner NBFC makes the credit decision, sanctions and disburses · No separate Kredito24 lending licence identified; TECAZOID describes itself as a technology provider/LSP	Checked September 14, 2026Review →

How to compare online-loan offers in India

Search labels such as instant personal loan, payday-style loan and digital credit describe an urgent need, not one legal product. Start with the company that signs, funds and services the agreement. A broker or lead generator may collect an enquiry and share it with several creditors.

Compare APR, fees and total repayment, fees and total INR together. A first-loan promotion can depend on amount and punctual payment, while a fee deducted before payout changes the cash actually available. Put the due date beside essentials and existing debt in the India repayment budget.

Privacy is part of the offer. Read the notice, controller, creditor partners, CIBIL and other credit bureaus checks, payment rail and optional marketing permissions. “Instant” or “bad credit” wording does not guarantee approval. Never disclose a one-time banking code to an unverified caller.

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Borrower guideinstant personal loan, payday-style loan and digital credit and APR, fees and total repayment explained Understand service roles, privacy, repayment and consumer guidance.CalculatorLoan cost in INR Model fees, simple annualised cost and total repayment before comparing a proposal.Budget toolCan the payment fit? Place the proposed debit beside reliable income, essentials and a buffer.

Payday-style loans in India, with local costs and repayment details in view.

2 checked services with full reviews

Paisa 247

Kredito24

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How to compare online-loan offers in India

Useful India loan terms

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