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Say Yes.
We’ll handle
the rest.

Instant personal loans up to ₹25,000 when life asks for more.

₹0

Maximum Loan

Quick Approval

Decision in Minutes

100% Digital

Simple & Secure

Learn more
RBI-regulated lending partnerBank-grade encryption
Indian family using Qicky

Built for Today's Borrower

We've moved away from "we provide loans" to "we simplify borrowing." Experience finance designed around you.

Instant Eligibility Engine

Get a personalized loan offer instantly, based on your unique financial profile.

Transparent Pricing

See all interest rates and charges upfront. No surprises.

Fully Digital Journey

Apply straight from your phone in minutes without mountains of paperwork.

Responsible Lending

Borrow only what fits your budget safely with clear repayment structures.

How it works

From application to disbursal, in five simple steps

A fully digital journey — no branches, no paperwork, no waiting.

9:41

STEP 1 OF 5

Verify your mobile number

MOBILE NUMBER

+91 99900 23001

ENTER OTP

STEP 01

Verify Your Mobile

Enter your mobile number and confirm with a one-time password. Your identity stays secure — always.

100%Paperless
< 1hrDisbursal
₹0Hidden Fees

The Qicky App

Your money, beautifully in one place.

Apply, track EMIs, grab offers, and pay — from one sleek, secure app.

Q+3 offers

YOUR MONEY

Available to borrow

₹25,000

Active loan

₹18,500

On track

EXPLORE QICKY

Apply
EMIs
Offers
Cards
Rewards
Refer
Score
More
Scan
You
Pay
Q+3 offers

YOUR MONEY

Available to borrow

₹25,000

Active loan

₹18,500

On track

EXPLORE QICKY

Apply
EMIs
Offers
Cards
Rewards
Refer
Score
More
Scan
You
Pay

Trusted & Regulated

Built on trust. Backed by numbers.

₹0 Cr+

Loans facilitated

0+

Customers served

0 sec

Avg. approval time

0.0★

Customer rating

RBI-regulated lending partner
256-bit SSL encryption
Data stored in India
No hidden charges

Loans on Qicky are provided and disbursed by our RBI-regulated lending partner. Qicky is a digital lending platform that manages your end-to-end journey.

Built aroundyour ambitions

Qicky gives ambitious Indians fast, transparent access to the credit they deserve — in minutes, not weeks.

Check Your Eligibility

Smart Tools

Know Your Credit. Borrow Smarter.

Equip yourself with the tools you need to make confident financial decisions — before you ever apply.

Personal Loan Simulator
Live

Personal Loan Simulator

Find out how much you can borrow before officially applying, with zero impact to your credit score.

FreeNo credit impactInstant
Credit Score Simulator
Coming soon

Credit Score Simulator

Check your score for free and get actionable tips to improve your borrowing power over time.

FreePersonalised tips
Coming soon

Plan ahead

See exactly what you’ll repay

Simple daily interest — drag to explore, with no impact to your credit score.

₹15,000
₹5 K₹25 K
45 days
30 days60 days

Representative rate: 0.1% per day. Actual rate is set by our RBI-regulated lending partner — and you only pay for the days you borrow.

Total repayable · 45 days

₹15,675

Principal₹15,000
Total interest₹675
Interest / day₹15

One loan, endless possibilities

Credit for whatever life needs

Fund the moments that matter — big or small — and repay on your terms.

What can you use it for?

Emergencies
Education
Education
Everyday needs
Flexible credit

Borrow exactly
what you need.

Draw only what you need, when you need it — and pay interest only on what you use.

Apply Now
Home renovation
Home renovation
Shopping
Shopping

Get up to

₹25,000

Travel
Travel
Medical

Clear terms

Rates & eligibility, upfront

Know exactly where you stand before you apply — no fine print.

Rate card

What a loan costs

  • Interest rateFrom 0.1% / day*
  • Processing feeUp to 2%*
  • Tenure30 – 60 days
  • Repay earlySave on interest, no penalty

Who can apply

Eligibility at a glance

  • Age21 – 60 years
  • Min. income₹15,000 / month
  • EmploymentSalaried or self-employed
  • DocumentsPAN, Aadhaar, bank statement

*Representative figures. Your exact interest rate, APR and all fees are set by our RBI-regulated lending partner and shown clearly in your Key Facts Statement before you accept the loan.

The difference

Why borrowers choose Qicky

A modern lending experience, not a trip to the branch.

Approval time
Documentation
Fees & charges
Disbursal
Availability
Recommended
Qicky
Traditional

Loved by borrowers

Real people, real relief

4.9/5from 2,500+ reviews

Applied on my phone during a medical emergency and had the money the same evening. The EMI was exactly what they showed me upfront — no surprises.

P

Priya S.

Pune

What sold me was the transparency. Every fee was visible before I accepted. Genuinely the simplest loan experience I’ve had.

A

Arjun M.

Bengaluru

I checked my eligibility without any hit to my credit score, then finished the whole thing digitally in minutes. Smooth from start to finish.

N

Neha R.

Delhi

Built to take you further.

A modern lending platform engineered around your goals — fast, transparent, and made for India. Move your cursor across the light, or click to send a ripple.

Insights

From the Qicky blog

Practical guides on loans, credit scores, and smarter borrowing.

Understanding Credit Scores: The Key to Better Loans

Credit Score

Understanding Credit Scores: The Key to Better Loans

Mar 2•5 min read
The Importance of Budgeting for Your Home Renovation

Finance

The Importance of Budgeting for Your Home Renovation

Mar 3•6 min read
Tips for Saving on Your Grocery Bill Every Month

Savings

Tips for Saving on Your Grocery Bill Every Month

Mar 4•6 min read

Frequently Asked Questions

Got questions? We've got answers. If you can't find what you're looking for, feel free to reach out to our support team.

In most cases, once your application is approved and digitally signed, funds are disbursed to your bank account within minutes to a few hours depending on your bank's processing times.

Need assistance?

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