Medical emergencies
Cover unplanned bills without draining your savings.
Instant credit,
launching soon.
A personal loan app for India. Apply with your PAN and Aadhaar, see the full cost before you accept, and get the money in your bank account. It isn't live yet.
We'll email you once, when the app launches. This site only asks for your email address. UniCredX will never ask you for your PAN, Aadhaar, bank details, card numbers, passwords or an OTP here.
- Loan amount
- ₹500 to ₹2,00,000*
- Tenure
- 3 to 12 months*
- To apply at launch
- PAN and Aadhaar
A preview of the app we're building. Not a live service, and the figures shown are samples.
Scroll down
*Product preview. Rates, limits and approval times are illustrative and will be confirmed at launch.
How it will work
Three steps, all on your phone.
Who can apply
This is what we expect to ask for at launch. The final criteria depend on our lending partner and regulatory approvals, so they may change.
Age
18–58 years
Nationality
Indian
Documents
PAN + Aadhaar
Income
Regular & verifiable
Bank account
In your own name
What you could use it for
Travel
Book the trip now, pay for it in easy instalments.
Upskilling
Fund the course or certification that moves your career.
Home renovation
Fix up your space without waiting to save it all first.
Vehicle repair
Get back on the road the same week, not next month.
Life events
Weddings, festivals and the other big days.
Work out your EMI
Pick an amount, interest rate and tenure to see the monthly payment. Nothing you enter here is saved or checked.
₹75,000
₹500₹2,00,000
18% a year1.5% / month
1% a year100% a year
Tenure
Estimated monthly EMI
₹13,164*
for 6 months at 18% a year (1.5% a month)
- Principal
- ₹75,000
- Total interest
- ₹3,984
- Total payable
- ₹78,984
*Illustrative, on a reducing balance. UniCredX's actual rates, fees and eligibility will be shown before you accept any loan.
Three things we're committing to
We have no customers yet, so there are no user numbers to show you. Here's what we're holding ourselves to instead.
Join the waitlist₹0
Hidden charges
100%
Online, from application to repayment
24×7
Support from launch day
What we're building
The features we're working on for launch.
Your loan, start to finish
Applied
Approved
Sent to bank
Quick disbursal
Once approved, funds are designed to reach your bank account in minutes, not days.
PAN card
Aadhaar
Income proof
Minimal paperwork
Apply with your KYC documents and a proof of income. There's no branch to visit.
3
months
6
months
9
months
12
months
Flexible repayment
Choose a tenure that fits your cash flow, and repay on your own schedule.
Before you accept
- Interest
- from 1.5% / mo*
- Processing fee
- Shown upfront
- Hidden charges
- ₹0
Transparent pricing
Every fee and charge is shown before you accept, in plain numbers.
Bank-grade security
Your data is encrypted end to end and never shared without your consent.
Not sure which tenure to pick.
Happy to help. Let's compare the EMIs together.
Real human support
Real people to help if you get stuck, before and after you borrow.
All of this is still being built and may change before launch.
Where we are
What we're working on now, and what still has to happen before the app launches.
- 01In progress
Core lending & underwriting engine
The decisioning logic that turns an application into an offer.
- 02In progress
Digital KYC & verification
PAN, Aadhaar and income checks, verified without a branch visit.
- 03Up next
Regulatory approvals & lending partner
The licensing groundwork that has to land before we lend a rupee.
- 04Planned
Private beta
A small group of waitlist members get the app first.
- 05At launch
Android & iOS release
Public download, open applications, real disbursals.
Get the app when it launches
The app is still being built. Leave your email and we'll send one message when it's ready to download.
Your email address is the only thing we ask for. We never request your PAN, Aadhaar, bank details, card numbers, passwords or an OTP on this website.
Google PlaySoonApp StoreSoon
Questions
Something else on your mind? Email us at hello@unicredx.com.
Not yet. We're still building it. Join the waitlist and we'll let you know when it's live.