How Can We Help?

Who can apply?

Indian residents aged 18+ with a minimum monthly income of ₹15,000.

How long does it take?

Eligibility: 2–5 minutes. Approval: same day possible.

What documents are needed?

PAN, Aadhaar, and bank details — all digital.

Will applying affect my credit score?

As part of reviewing your application, our lending partners check your credit score and report from bureaus like CIBIL - this may show up as an inquiry on your credit report. You'll see this called out clearly when you apply.

Can I apply for more than one product at a time?

Yes. You can apply for any live product from Services — each application is tracked separately in your dashboard.

Is Aadhaar OTP safe?

Yes. UIDAI-authorized flow with encrypted data.

What is penny drop?

We send ₹1 to your account to verify it, then reverse the transaction.

Is eSign legally valid?

Yes. Valid under the IT Act, 2000.

Why do you need my PAN?

PAN is required by lenders to verify your identity and credit history before making an offer - it's shared only with the specific partner you choose to proceed with.

When does EMI start?

From the month after disbursal, per lender rules.

Is prepayment possible?

Yes. Many lenders offer zero foreclosure charges.

What if I miss an EMI?

Late fees are set and charged by the lender you borrowed from, not by NeerCred - contact your lender directly if you think you'll miss a payment. Missing an EMI can also affect your credit score, so we always encourage repaying on time to help you build a stronger credit profile.

Will a missed payment always be reported to the credit bureau?

Lenders generally report EMI payment history, including delays, to credit bureaus as part of standard practice - check your specific lender's terms for exact timelines.

How do I track my application?

Use /track with your ref number and mobile.

How do I log in to the dashboard?

Visit /dashboard and log in with your registered account.

How do I delete my data?

Email dpo@neercred.com with your request.

How do I update my profile details?

Sign in and open Your Details from the dashboard - you can update your name, DOB, PAN, and other details any time; future applications prefill from what's already on file.