Terms & Conditions

Welcome to Credit91. These Terms and Conditions govern your access and use of our digital platform. By entering your mobile number or registering on our site, you agree to comply with these rules.

1. Platform Role as an LSP

Credit91 operates as a Lending Service Provider (LSP) in association with regulated lending institutions (licensed NBFCs or Banks). We do not disburse credit directly. We facilitate applications, credit modeling, and repayment tracking as an agent of our lending partners.

2. Mobile OTP Authorization

By submitting your mobile number, you authorize Credit91 to verify your identity using consent-first One-Time Passwords (OTPs). You agree to provide accurate, up-to-date PAN, Aadhaar, and salary details.

3. Credit Check Consent

You explicitly authorize Credit91 and its NBFC partners to perform credit bureau checks (such as CIBIL or Experian) to evaluate your eligibility. No credit inquiry will ever be initiated without your active OTP verification in context.

4. Repayment Obligations

All loan repayment schedules, interest rates, APR, late fees, and timelines are governed strictly by the approved loan agreement and Key Fact Statement (KFS) provided to you during application. You agree to settle outstanding dues responsibly via our approved channels.

5. Grievance Escalation

If you encounter disputes regarding platform use, interest computations, or repayment issues, you reserve the right to escalate the matter directly to our Grievance Redressal Officer at arnav@credit91.com.