Empowering India with Accessible Credit
We're on a mission to bridge the credit gap for millions of Indians through innovative technology and transparent lending.
Who we are?
creditU is a Bangalore-based fintech platform offering a credit line and personal loan for daily commuters. We believe every Indian deserves access to fair, transparent credit — without the hassle of a credit card or a bank visit.
We are a Lending Service Provider (LSP) working in partnership with RBI-licensed NBFCs to offer customers a pre-approved credit line and Personal Loan. Customers can use this credit line to pay any UPI merchant directly from the creditU app — and repay in simple monthly EMIs.
"creditU is registered under the Companies Act 2013 and operates in full compliance with RBI Digital Lending Guidelines 2022."
Who can Apply?
Age & Income
- Age: 21 to 55 years
- Monthly Income: ₹15,000+
Credit Health
- Credit Score: 650+
- Active bank account
Requirements
- Valid PAN and Aadhaar
- Salaried/Self-employed
Gig workers and small business owners are also welcome to apply.
Regulatory Information
creditU Technologies Private Limited is a Lending Service Provider (LSP) registered under the Companies Act 2013. All loans and credit lines offered through the creditU platform are provided by our partner NBFC which is registered with and regulated by the Reserve Bank of India.
"creditU does not lend money directly. creditU is a technology and distribution platform only."
Meet Our Leadership
The visionary minds dedicated to revolutionizing the lending ecosystem in India.
Selvin Prabhakar
Chief Executive Officer
Driving our vision to democratize credit access across India with innovative technology.
Arpita Bhowmik
Non-Executive Director
Bringing decades of governance and strategic financial expertise to our board.
Prabin Mishra
Chief Operating & Technology Officer
Spearheading our operations and technical infrastructure to ensure seamless experiences.