Term & Conditions
Terms And Conditions
Welcome to the official website of Cash Kredit. By accessing and using our services, you agree to comply with the terms and conditions outlined below. These terms are non-negotiable and apply to all users. Access to our services is granted only upon full acceptance of these terms, and eligibility is governed under the Indian Contract Act, 1872.
Eligibility
To qualify for a personal loan with Cash Kredit, applicants must meet specific eligibility criteria. Evaluation is based on several factors, including but not limited to:
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• Salary or income level
• Credit score
• Residential location
• Employment status
• Income Tax Return (ITR) documents
• Utility bills and other relevant documentation
Incomplete applications or failure to meet these requirements may result in rejection.
Application Process
The loan application process begins online. However, in certain cases, physical document verification may be required by our executives. Applicants must be prepared to provide all necessary physical documents when requested.
Loan Tenure
Cash Kredit offers short-term loans. The repayment period is limited and must be adhered to strictly. Failure to repay within the stipulated time may result in additional penalties. Tenure and assignment are subject to company discretion and defined terms.
Interest Rates and Fees
Interest rates and processing fees are governed by our internal policies. All charges will be clearly communicated and must be accepted by the borrower before loan disbursement. These charges are non-negotiable post-disbursement.
Repayment Terms
The repayment date will be provided at the time of loan approval. Borrowers are expected to repay the loan on or before the due date. Late payments may result in penalty fees and could negatively impact your credit score.
Defaults
In the case of a loan default, Cash Kredit reserves the right to:
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• Block further repayments
• Deny any future loan applications from the defaulter Maintaining transparency and adhering to repayment terms is essential for continued service eligibility.
Privacy and Data Security
All personal and financial data provided by customers is kept secure and confidential. While we ensure data is never disclosed without consent, it may be used internally for marketing or advertising purposes without modification.
Disclaimer
Cash Kredit operates under the regulation and guidance of the Reserve Bank of India (RBI). We strictly adhere to all applicable financial laws and RBI guidelines. We do not charge approval fees. If someone contacts you requesting such payments, do not engage—contact us directly using our official details.
Changes to Terms
Cash Kredit reserves the right to modify these terms and conditions at any time, especially in response to changes in government regulations or compliance requirements. Updated terms will be reflected on our website accordingly.
Complaints and Disputes
Any complaints or legal disputes arising from our services will fall under the exclusive jurisdiction of the Delhi High Court.
Contact Information
If you experience issues with our services or need support, please contact our Grievance Officer:
Contact Number: +91 9211997229
Email ID:
[email protected]
Legal Registration
AGF FINLEASE (INDIA) LIMITED
RBI Registration Number: B-14.01767
As a registered Non-Banking Financial Company (NBFC) under the RBI, Cash Kredit provides loans only via our official website and CRM platform.
Important Notice
Cash Kredit does not have any mobile application on Android or iOS. We do not disburse loans
through mobile apps.If you come across any app impersonating Cash Kredit or using our branding, it is unauthorized and fraudulent.
Please notify us immediately if you encounter such apps attempting to mislead users using our name or logo.