CredMe

CredMe is a Digital Lending Application (DLA) owned and operated by DELVIANT AI LABS PRIVATE LIMITED. The platform functions as a Loan Service Provider (LSP), enabling eligible customers to explore, compare, and apply for personal loans offered by RBI-registered Non-Banking Financial Companies (NBFCs). About CredMe CredMe offers a secure and seamless digital experience for users to access loan offers from eligible lending partners. Users can compare available loan options, choose their preferred RBI-registered NBFC, complete the application process online, and monitor the status of their application from within the app. After a user selects a lending partner, the end-to-end loan journey—including eligibility evaluation, digital document verification, Account Aggregator (AA) consent (where applicable), execution of loan agreements, loan disbursement, and repayment support—is facilitated on behalf of the selected RBI-registered NBFC through its authorized technology platforms and APIs. Important Information CredMe is not a bank, NBFC, or lending institution and does not provide loans directly. All lending decisions, including applicant eligibility, loan approval, sanctioned amount, applicable interest rates, processing fees, repayment schedules, and other loan conditions, are determined exclusively by the selected RBI-registered NBFC. Submitting an application through CredMe does not guarantee loan approval. In accordance with Google Play Personal Loans Policy and RBI Digital Lending Guidelines, CredMe does not facilitate loans with repayment periods of 60 days or less. Personal Loan Use Cases Eligible applicants may apply for personal loans to meet various financial requirements, including: Medical expenses Educational expenses Travel expenses Emergency financial requirements Other eligible personal purposes Representative Loan Terms (Provided by RBI-registered NBFC partners) • Loan Amount: ₹5,000 – ₹1,50,000 • Repayment Tenure: 61 – 365 days • Annual Percentage Rate (APR): Up to 35% per annum • Processing Fee: Up to 2% of the loan amount + applicable GST • Prepayment Charges: Nil • Late Payment Charges: As specified by the respective lending partner. Representative Loan Illustration Loan Amount: ₹50,000 Repayment Tenure: 365 days APR: 35% per annum Processing Fee: ₹1,000 + GST (₹180) Net Loan Amount Disbursed: ₹48,820 Monthly EMI: ₹4,998 Total Amount Repayable: ₹59,978 Total Interest Payable: ₹9,978 The above example is for demonstration purposes only. Final loan terms, eligibility, sanctioned amount, repayment schedule, applicable charges, and interest rates are determined solely by the selected RBI-registered NBFC after evaluating the applicant. Lending Partner EXUDE VINCOM PRIVATE LIMITED RBI-Registered Non-Banking Financial Company (NBFC) Certificate of Registration (RBI): 05.01764 Website: https://exudevincom.com Loan Service Provider Information: https://exudevincom.com/lending-service-provider Email: [email protected] Customer Support: +91-8588020081 To view the latest list of our RBI-registered lending partners, visit: https://credme.in/digital-lending-partners Compliance & Transparency • Operated by DELVIANT AI LABS PRIVATE LIMITED. • Functions as a Loan Service Provider (LSP) • Loans are offered, approved, and disbursed exclusively by RBI-registered NBFC lending partners. • CredMe facilitates the complete digital loan journey on behalf of the selected lending partner using its authorized systems and APIs. • Where authorized by the lending partner, loan repayments may be facilitated through the CredMe application using the lender's approved payment systems and APIs. • CredMe does not facilitate loans with repayment tenures of 60 days or less. • User information is processed securely in accordance with applicable laws and our Privacy Policy. Customer Support Website: https://credme.in Email: [email protected] Customer Care: +91-7428167400