Business login Customer Login
★★★★★ Trusted by borrowers across India RBI compliant partner NBFCs

Loans for
real-world needs.

Upto 15,00,000

Get instant digital loans for salary, studies, emergencies and more without confusing paperwork. Apply in 2 minutes, know your EMI upfront and track everything online.

Apply for instant loan

Fill basic details to start your application
Approval in minutes

Loan Categories

Choose your perfect loan

Tailored financial solutions for every need — competitive rates, flexible terms, lightning-fast approvals.

Students Loan
Small short-term credit for students
Key Features:
  • Micro limits for daily needs
  • Minimal documentation
  • Flexible short-term repayment
Fast digital onboarding
→ Apply Now
Advance Salaries
Short-term salary advances
Key Features:
  • Quick approval
  • Repay on next salary
  • No collateral
Same-day processing
→ Apply Now
Low/No CIBIL
Loans for low-score professionals
Key Features:
  • Alternate credit checks
  • Income & behavior based
  • Step-up limits over time
Smart risk profiling
→ Apply Now
Small Business Loans
Working capital & credit for MSMEs
Key Features:
  • Quick working capital
  • Bank-statement based underwriting
  • Custom repayment options
Designed for small businesses
→ Apply Now
Advance EMI
Short-term loan to manage upcoming EMIs
Key Features:
  • Quick relief for EMI due dates
  • Simple digital flow
  • No complex paperwork
Fast disbursal
→ Apply Now
Credit Card Due Payments
Convert card dues into manageable payments
Key Features:
  • Convert dues to fixed payments
  • Reduce late charges
  • Transparent repayment
Direct-to-bank settlement
→ Apply Now
School/Institutional Fees
Pay school or institutional fees quickly
Key Features:
  • Funds for tuition
  • Simple submission process
  • Quick disbursal
Used for school & institutional payments
→ Apply Now
Hostel/PG Fees
Support for hostel or PG fee payments
Key Features:
  • Cover accommodation fees
  • Fast approval
  • Minimal documents
Priority processing for urgent needs
→ Apply Now
2 Wheeler Loan
Finance for two-wheeler purchase
Key Features:
  • Simple loan flow
  • Competitive terms (subject to underwriting)
  • Quick document checks
Dealer & retail financing support
→ Apply Now
Simple Mortgage
Secured loans using property as collateral
Key Features:
  • Property-backed lending
  • Tailored repayment options
  • Bank & legal checks apply
Secured lending product
→ Apply Now
Medical Emergency
Funds for urgent
medical needs
Key Features:
  • Priority disbursal
  • Flexible ticket sizes
  • Use at any hospital
Priority processing
→ Apply Now
Quick Loans
Fast small-to-mid sized loans for urgent needs
Key Features:
  • Minimal documentation
  • Fast underwriting
  • No hidden charges
Digital journey with clear pricing
→ Apply Now
Why Finxpe

Designed for India’s modern borrowers

From students to salaried professionals and founders, credxais built to keep your cashflow predictable and your journey transparent.

Experience
Fully digital, human support
  • Apply, track and repay from your phone or laptop.
  • No branch visits, photocopies or in-person queues.
  • Support team available via chat, email and phone.
Transparency
Know your numbers upfront
  • Clear EMI, interest and total cost before you e-sign.
  • Repayment schedule downloadable in a single click.
  • No hidden “surprise” charges in small print.
Eligibility
Smart underwriting, not guesswork
  • Works even if you are new to credit or thin-file.
  • Income, bank and behaviour data used responsibly.
  • Backed by RBI-regulated partner NBFCs.
Smart EMI calculator

Know your EMI before you apply

Transparent monthly outflow, interest cost and remaining balance over time—with one click PDF schedule.

Loan parameters

Adjust amount, rate and tenure to see monthly EMI and total interest instantly.

Loan amount (₹) ₹5,00,000
Interest rate (p.a.) 12.0%
Tenure (months) 60 months · 5.0 years
Your monthly income (₹)
Estimated monthly EMI
₹0
Enter salary to evaluate affordability
Loan breakdown
Principal ₹0
Total interest ₹0
Total payment ₹0
Impact on your income
Monthly income ₹0
EMI as % of income 0%
Income left after EMI ₹0
Month Principal Interest Balance
3 simple steps

From application to money in your account

A fully digital, mobile-first journey designed to keep you in control at every step.

Step 01
Share your basics

Tell us who you are, your income and preferred loan type. Connect your salary or bank statements digitally where required.

Step 02
Get a smart offer

Our underwriting engine runs checks with partner NBFCs and generates a tailored offer with EMI, tenure and limits you can tune.

Step 03
E-sign & receive funds

Review terms, sign digitally and get funds credited directly to your bank account—often on the same business day.

Real stories

What our customers say

Short-term needs, big life moments and everything in between—credxafits into real life, not the other way around.

4.8 / 5 average satisfaction across student, salaried and business customers.
Rahul · Bengaluru
Salary advance · IT employee
★★★★★
“Got my salary advance in a few hours. The EMI calculator made it very easy to plan my budget and avoid dipping into savings.”
Priya · Hyderabad
PG deposit · First job
★★★★★
“Used credxafor my PG deposit and first month rent. Fully digital process, no branch visits and I could track every step online.”
Arjun · Pune
Education expenses · Student
★★★★☆
“My semester fees were due and I didn’t want to disturb my parents. The student product with smaller EMIs worked perfectly.”
Sneha · Chennai
Medical emergency · Family
★★★★★
“We had a sudden hospitalization at home. credxahelped us manage the bill and convert it into predictable EMIs in a single day.”
Karthik · Mumbai
Business working capital
★★★★☆
“Used a small loan for inventory and repayments were linked to my business inflows. Much simpler than a traditional bank loan.”
FAQs

Answers before you sign anything

Still unsure? These are the questions we hear most often from first-time borrowers.

Do I need a perfect CIBIL score to get a loan? ＋
Not always. We partner with NBFCs that also look at your income, bank behaviour and employment type. We offer dedicated products for low / thin-file credit users as well.
How long does approval and disbursal usually take? ＋
For most salaried and student customers with clear information, pre-approval happens within a couple of hours and disbursal within 24 working hours after document verification.
Are there any hidden charges or pre-closure fees? ＋
All processing fees, GST and other charges are shown upfront in your offer screen. Pre-closure terms depend on the loan type; they’re clearly visible before you e-sign.
Is my data safe with Finxpe? ＋
Yes. We use bank-grade encryption, never sell your data and only share information with regulated NBFC partners for the purpose of credit evaluation and servicing.