CredMe на Андроид

CredMe is a Digital Lending Application (DLA) owned and operated by DELVIANT AI LABS PRIVATE LIMITED. The platform functions as a Loan Service Provider (LSP), enabling eligible customers to explore, compare, and apply for personal loans offered by RBI-registered Non-Banking Financial Companies (NBFCs).

About CredMe
CredMe offers a secure and seamless digital experience for users to access loan offers from eligible lending partners. Users can compare available loan options, choose their preferred RBI-registered NBFC, complete the application process online, and monitor the status of their application from within the app.
After a user selects a lending partner, the end-to-end loan journey—including eligibility evaluation, digital document verification, Account Aggregator (AA) consent (where applicable), execution of loan agreements, loan disbursement, and repayment support—is facilitated on behalf of the selected RBI-registered NBFC through its authorized technology platforms and APIs.

Important Information
CredMe is not a bank, NBFC, or lending institution and does not provide loans directly.
All lending decisions, including applicant eligibility, loan approval, sanctioned amount, applicable interest rates, processing fees, repayment schedules, and other loan conditions, are determined exclusively by the selected RBI-registered NBFC.
Submitting an application through CredMe does not guarantee loan approval.
In accordance with Google Play Personal Loans Policy and RBI Digital Lending Guidelines, CredMe does not facilitate loans with repayment periods of 60 days or less.

Personal Loan Use Cases
Eligible applicants may apply for personal loans to meet various financial requirements, including:
Medical expenses
Educational expenses
Travel expenses
Emergency financial requirements
Other eligible personal purposes
Representative Loan Terms
(Provided by RBI-registered NBFC partners)
• Loan Amount: ₹5,000 – ₹1,50,000
• Repayment Tenure: 61 – 365 days
• Annual Percentage Rate (APR): Up to 35% per annum
• Processing Fee: Up to 2% of the loan amount + applicable GST
• Prepayment Charges: Nil
• Late Payment Charges: As specified by the respective lending partner.

Representative Loan Illustration
Loan Amount: ₹50,000
Repayment Tenure: 365 days
APR: 35% per annum
Processing Fee: ₹1,000 + GST (₹180)
Net Loan Amount Disbursed: ₹48,820
Monthly EMI: ₹4,998
Total Amount Repayable: ₹59,978
Total Interest Payable: ₹9,978

The above example is for demonstration purposes only. Final loan terms, eligibility, sanctioned amount, repayment schedule, applicable charges, and interest rates are determined solely by the selected RBI-registered NBFC after evaluating the applicant.

Lending Partner
EXUDE VINCOM PRIVATE LIMITED
RBI-Registered Non-Banking Financial Company (NBFC)
Certificate of Registration (RBI): 05.01764
Website: https://exudevincom.com
Loan Service Provider Information: https://exudevincom.com/lending-service-provider
Email: care@exudevincom.com
Customer Support: +91-8588020081

To view the latest list of our RBI-registered lending partners, visit:
https://credme.in/digital-lending-partners

Compliance & Transparency
• Operated by DELVIANT AI LABS PRIVATE LIMITED.
• Functions as a Loan Service Provider (LSP)
• Loans are offered, approved, and disbursed exclusively by RBI-registered NBFC lending partners.
• CredMe facilitates the complete digital loan journey on behalf of the selected lending partner using its authorized systems and APIs.
• Where authorized by the lending partner, loan repayments may be facilitated through the CredMe application using the lender's approved payment systems and APIs.
• CredMe does not facilitate loans with repayment tenures of 60 days or less.
• User information is processed securely in accordance with applicable laws and our Privacy Policy.

Customer Support
Website: https://credme.in
Email: Customercare@credme.in
Customer Care: +91-7428167400