About Credit91

Most instant-loan apps build complex detours, hide real processing fees behind confusing math, and initiate silent spam calling campaigns. At Credit91, we believe borrowing should be clear, serious, and transparent.

Who We Are

Credit91 is a modern financial technology platform operating as a Lending Service Provider (LSP) in partner agreements with licensed Reserve Bank of India (RBI) regulated NBFCs. We build mobile-first customer acquisition, underwriting integrations, and repayment systems designed to keep the customer in complete control.

Our founding leadership and operational team consist of seasoned operators from premier institutions like IIT, NSIT, and IIM. We bring deep financial and technical experience from leading global and domestic institutions, including ICICI Bank, Flipkart, Airtel, Anand Rathi, Snapdeal, and RBS, to build India's most reliable, transparent credit tools.

Our Core Beliefs

• No Hidden Up-Sells: We do not package unsolicited insurance policies, credit repair subscriptions, or hidden platform fees inside your loan agreement.
• Consent-First Bureaus: We never perform soft or hard credit checks on your profile without your active OTP consent.
• Total Cost Reviews: We display your Monthly EMI, exact annual rates (APR), and pre-closure terms before you sign.

Compliance & Responsibility

We work strictly under the regulatory supervision of the RBI. By enforcing zero upfront charges and standard 3-day cooling-off exit windows, we protect our users from high-cost debt traps and ensure an ethical borrowing ecosystem.