Credit, on your terms.
A digital credit platform for India. Borrow short-term, track your score, settle bad debts — all transparently, all in one place.
No paperwork · No branch visits · KYC in 2 minutes
Built for
600M+
first-generation Indian credit users
Data minimal
100%
Aadhaar last-4 + hash only
Decision
< 60s
instant credit offer post-KYC
Prepayment
0%
penalty — pay early, save interest
What we offer today
Everything your credit life needs.
Four pillars. One opinionated product per pillar. Same brand promise: transparency on the inside, simplicity on the outside.
Credit access
Quick, hassle-free credit when you need it most — borrow ₹1,000 to ₹50,000 in minutes.
Settle bad debts
Ethical, expert resolution. A Chartered Accountant negotiates with your lenders.
Credit health
Track, understand, improve your credit score in real time. AI-prioritised plan included.
Credit builder
Build a stronger credit profile and unlock better financial opportunities.
Coming soon
Bill & Loan Repayments · Payments
How it works
From sign-up to disbursement in minutes.
No paperwork. No branch visits. Four steps, all in the app.
Verify yourself
PAN + Aadhaar in 2 minutes. We store only the last-4 + a one-way hash — never your full number.
Pick your offer
See your principal, interest, fees, and APR upfront on the Key Fact Statement. No hidden charges, ever.
eSign instantly
Aadhaar-based eSign for the loan agreement. UPI AutoPay mandate registered in one tap.
Money in your bank
NBFC partner disburses directly to your bank — typically within the hour. Repay early to save interest.
Pick what you need
One platform. Four products.
Why payd24
Built on trust, by design.
NBFC partnered
Funds from RBI-licensed lenders
payd24 is the Lending Service Provider. Money flows directly between borrower and the NBFC lender of record.
Data minimal
Built privacy-first
Aadhaar last-4 + hash only. PAN encrypted at rest. DPDP Act compliant. Hosted in AWS Mumbai.
No surprises
Transparent APR
Every charge laid out on the Key Fact Statement before you accept. No hidden fees, ever.
FAQ
Questions, answered.
- Who is the lender? Are you an NBFC?
- payd24 is a Lending Service Provider (LSP) under the RBI Master Direction on Digital Lending, 2022. The lender of record on every loan is an RBI-licensed NBFC partner whose name appears on your Key Fact Statement. Money flows directly between you and the lender.
- What does it actually cost?
- Every charge — principal, interest, processing fee, GST, APR — is disclosed on the Key Fact Statement before you accept the offer. Full item-wise breakdown is on our pricing page. No surprises, no hidden surcharges.
- Will you call my employer or family if I miss a payment?
- Never. Recovery follows the RBI Fair Practices Code: calls only between 07:00 and 19:00 IST, no contact with your employer, family, or references. Any harassment you experience can be reported to grievance@payd24.com and escalated to the RBI Ombudsman.
- Is my data safe?
- Aadhaar last-4 + one-way hash only. PAN encrypted at rest with AES-256. Data hosted in AWS Mumbai (ap-south-1). DPDP Act, 2023 compliant. Full details in our privacy policy.
- How soon will money reach my account?
- Typically within an hour of mandate registration. Net-disbursed amount and UTR appear on your loan dashboard. See the full per-product timeline on our service delivery policy.
- What if I have a complaint?
- Email our Grievance Redressal Officer at grievance@payd24.com. Acknowledgement within 4 hours during office hours, resolution within 3–15 business days depending on complexity. If unresolved, you can escalate to the RBI Integrated Ombudsman.
More questions? Write to us at support@payd24.com — we reply within 4 hours during office hours.