Credit Plus Loan App ke baare mein jaanna chahte hain? Credit Plus aur CredittNow / Creditt+ ke naam ko lekar confusion ho sakta hai. App ki purani branding aur credittnow.com website ke connection ko samajhna zaroori hai. Is guide mein loan eligibility, interest rate, processing fees, required documents aur apply karne ka process samjhaya gaya hai.
CredittNow / Creditt+ ke quick facts
| Point | Official information aur dhyan dene wali baat |
|---|---|
| Product | Salaried applicants ke liye unsecured personal loan |
| Amount | Homepage: ₹8,000–₹35,000; instant-loan page: ₹10,000–₹35,000 |
| Tenure | Homepage: 91 days; product page: 90 days. Apne offer ki due date verify karein. |
| Interest | Current FAQ: 0.1%–0.5% per day; product page par starting 0.3% daily likha hai. |
| Processing fee | FAQ: 5%–7%; tax treatment aur final deduction KFS mein check karein. |
| Repayment | Product page single-repayment loan batata hai; monthly EMI assume na karein. |
Sources: Creditt+ homepage, current FAQ aur instant-loan product page. Yeh advertised information hai, har applicant ka confirmed offer nahi.
App aur actual lender ki pehchaan
Current homepage Creditt+ ko Aureus Finvest Private Limited se operated brand batata hai, aur Credify Technologies ko trademark owner. Wahan Aureus aur Sampati Securities dono lending partners listed hain. Policy platform ki facilitation role bhi batati hai. Isliye app ke naam se lender assume karne ke bajay apne sanction letter aur loan agreement par legal lender ka naam dekhein. Website ki registration details ko har offer ki approval guarantee na samjhein.
Eligibility aur documents kya hain?
Homepage par Indian salaried applicants, age 18–55, minimum monthly salary ₹20,000, active bank account mein salary credit aur minimum credit score 680 dikhaya gaya hai. Saath hi “no credit history” ka marketing statement bhi hai; isse guaranteed eligibility conclude nahi hoti. App assessment aur written offer hi aapki eligibility clear karenge.
FAQ Aadhaar, PAN aur immediately preceding three months ka bank statement maangta hai. KYC ke liye additional verification ho sakti hai. Sirf official channel par documents dein aur unnecessary permissions samajhkar hi allow karein. Self-employed applicant ko salaried product ke liye eligible maan lena sahi nahi.
Daily interest, APR aur processing fee ka farq
0.1% daily dekhne mein chhota lagta hai. Sirf daily rate ko 365 se multiply karne par 36.5% yearly simple equivalent banta hai; 0.5% ke liye 182.5%. Yeh calculation all-inclusive APR nahi, kyunki fees, timing aur net disbursal ko include nahi karti. RBI ki borrower information mein APR ko loan ki all-inclusive annual cost ke roop mein explain kiya gaya hai. RBI ka KFS aur borrowing-cost explanation padhein.
Official pages mein rates alag dikhne ki wajah se kisi ek starting rate ko universal rate nahi maana gaya hai. Final KFS mein daily/annual rate, processing fee, applicable taxes, APR, total repayment aur late charges ek saath dekhein. Latest policy bhi actual loan documents aur sanction-stage disclosures ko importance deti hai. Creditt+ terms and policies check karein.
₹10,000 ka illustrative cost example
Sirf calculation samajhne ke liye maan lein: principal ₹10,000, daily simple interest 0.1%, period 91 days, processing fee 5%, aur fee par assumed GST 18%. Yeh actual sanctioned offer ya tax quote nahi hai.
| Calculation | Illustrative amount |
|---|---|
| Interest: ₹10,000 × 0.1% × 91 | ₹910 |
| Processing fee | ₹500 |
| Assumed GST on fee | ₹90 |
| Fee aur assumed tax upfront deduct hon to net credit | ₹9,410 |
| Single payment par principal + interest | ₹10,910 |
| Net received se zyada total outflow | ₹1,500 |
Yeh flat principal par simple illustration hai; reducing-balance EMI calculation nahi. Actual day-count, fee base, tax aur repayment structure badalne par result badlega. ₹10,910 ko monthly EMI na samjhein. Is example se APR infer na karein.
Apply karne ka practical process
- Official website se app-store link ya web application kholein; forwarded APK avoid karein.
- Apne mobile aur identity details se registration aur KYC complete karein.
- Salary aur bank documents submit karke assessed offer dekhein.
- KFS, lender name, net credit aur due date note karein. Sirf headline amount par decision na lein.
- Terms samajhne aur repayment budget banane ke baad hi agreement accept karein. Documents ki copy rakhein.
Fast disbursal website ka advertised claim hai; verification, underwriting aur bank processing ki wajah se time badal sakta hai. Approval ya 15-minute credit ko assured outcome nahi maana gaya hai.
Repayment se pehle yeh galtiyan na karein
- Single repayment ko three monthly instalments samajhna.
- Net credit kam hone ke bawajood poori sanctioned amount kharch karne ka budget banana.
- Ek short-term loan chukane ke liye baar-baar naya loan lena.
- Unknown personal UPI account mein repayment bhejna; official verified payment channel aur receipt use karein.
- Late charges ko ignore karna. Exact penalty schedule pehle maangein.
Early repayment ke liye website no-prepayment-charge benefit batati hai. Actual closure amount aur interest day-count written statement mein lein. Due date par poori payment salary aur essential expenses ke baad possible nahi lagti, to amount ya borrowing decision dobara assess karein.
Support aur complaint
Official customer support: +91 22 45811515, email customer.support@creditt.in; listed hours 10 AM–7 PM, Monday–Sunday, national holidays chhodkar. Complaint ke liye official FAQ mein grievance@creditt.in diya gaya hai. Complaint number, payment receipt aur correspondence sambhal kar rakhein; current contact details website par dobara check karein.
Frequently asked questions
Kya CredittNow aur Creditt+ alag hain?
Is guide mein CredittNow se matlab official credittnow.com par listed Creditt+ product hai. Similar naam wale kisi aur app par yeh details apply na karein.
Kya ₹35,000 sabko milte hain?
Nahi. Advertised upper limit se approval, amount ya eligibility guarantee nahi hoti.
Loan 90 days ka hai ya 91 days ka?
Official pages par dono figures hain. Apne KFS aur dated repayment schedule se exact tenure confirm karein.
EMI kitni banegi?
Product page single repayment batata hai. Written instalment schedule ke bina monthly EMI quote karna misleading hoga.
Sabse pehle kya compare karein?
Net bank credit, all-inclusive APR, total payable amount aur due date. Saath mein fees, taxes aur late-payment terms dekhein.
Official links aur verification
| Purpose | Verified official link |
|---|---|
| Latest overview aur eligibility | Creditt+ official homepage |
| Documents, fees aur support | Creditt+ FAQs |
| Product structure | Instant-loan details |
| Legal and privacy terms | Official policies |
| Official store listing | Creditt+ on Apple App Store |
| KFS aur cost awareness | RBI borrower information |
Sources checked: 19 October 2026, India time. Public pages ke conflicts upar explain kiye gaye hain; final contractual offer alag ho sakta hai.
Disclaimer: Yeh educational information hai, personal financial advice nahi. Hansraj Insurance Wala is loan ka lender ya approval guarantor nahi hai. Borrow karne se pehle written terms aur apni repayment capacity assess karein.