How can we help you today?

We strive to process your loan within 24 hours of receiving your loan agreement. However, please note that this timeframe begins only after the completion of several preliminary steps, including filling out the application, approving your NACH mandate, and conducting an eligibility check. These initial processes are not included in the 24-hour period.
To enhance the chances of a quicker disbursal, we recommend submitting accurate and complete documents during your application process. Your cooperation can significantly speed up the entire procedure!

Wondering how to manage your Equated Monthly Installments (EMIs) for your loan? Here are the key ways you can make your payments:

Automatic Bank Debit: You can set up an automatic debit from your bank account. This ensures that your EMIs are deducted on the due date each month, helping you avoid late fees and missed payments.
Online Banking: Most lenders offer online banking facilities that allow you to pay your EMIs directly through their website or mobile app. You can choose to make one-time payments or set up recurring payments.
Post-Dated Cheques: If you prefer traditional methods, you can provide post-dated cheques for the duration of the loan. Your lender will cash these cheques on the scheduled EMI dates.
NEFT/RTGS Transfers: You can also transfer your EMI amount through NEFT (National Electronic Funds Transfer) or RTGS (Real-Time Gross Settlement) from your bank to your lender's account.
Cash Payments: Some lenders may allow cash payments at their branches, though this method is less common and may involve additional fees.
Make sure to choose a repayment method that suits your financial habits and ensures timely payments!

You have the option to cancel your loan at any time before the funds are disbursed. If you decide to cancel after the loan amount has been credited to your bank account, you can do so within a cool-off period of 3 days from the date of disbursement.

You can easily obtain a loan from our Digital Lending Partner on Lending Spheres without any paperwork by following these simple steps:
Submit Your Application: Visit our website and complete your loan application by providing your personal and employment details, along with your bank statements and KYC documents.
Document Review: After you submit your application, our digital lending partner will review your documents and assess your creditworthiness, along with other essential details.
NACH Form Submission: Once the verification process is complete, we will send you a NACH form. You'll need to print, sign, scan, and return this form to us. This NACH form enables the auto-debit facility for your bank account, ensuring that your EMIs are paid automatically and on time.
Loan Agreement: Upon receiving your signed NACH form, we will provide you with a loan agreement through our app. Please review the agreement carefully and submit it back to us.
Loan Disbursement: After you submit the agreement, your loan amount will be credited to your bank account within a few hours.
Follow these steps to enjoy a seamless borrowing experience!

To apply for a loan through our app, please ensure you have the following documents ready:

For Salaried Applicants:
Identity Proof: Aadhaar Card or PAN Card
Current Address Proof: Required only if your Aadhaar Card does not reflect your current address
Bank Statement: Last 3 months’ statement from your salary account showing salary credits

For Self-Employed Applicants:
Identity Proof: Aadhaar Card or PAN Card
Current Address Proof: Required only if your Aadhaar Card does not reflect your current address
Income Tax Return Verification Form: For the last 2 years

Please ensure that all documents listed above are valid at the time of submitting your loan application. Additionally, if you successfully complete the oKYC process during your application, the document requirements will be minimal.

As per our policy, our digital lending partners require salaried applicants to provide a minimum of 3 months' bank statements. Please note that our system only allows the upload of a single bank statement file.

We cannot process your application without one of the approved current address proofs. To ensure faster loan processing, please arrange for an address proof from the list provided by us.

Your credit score is only affected if you fail to make your loan EMIs on time or miss payments entirely. However, if you consistently repay your EMIs, your credit score will improve over time.