Credlyne
How it works

From signup to disbursal — under 3 minutes.

Every step is built on India's regulated digital lending stack. Here's exactly what happens behind the scenes.

  1. 01

    Verify mobile

    OTP-based verification. We never call you with sales pitches.

  2. 02

    PAN + Aadhaar eKYC

    Instantly verified via Karza/Signzy + DPDP-Act compliant Hyperverge eKYC. CKYC sync downstream.

  3. 03

    Connect income source

    Salaried? We pull payslips via your HRMS. Else, share bank statements via Account Aggregator (Setu/Perfios) — your consent, your data.

  4. 04

    Get instant credit limit

    Our risk engine combines bureau (CIBIL/Experian), bank flow stability, and employer tier into a salary-cycle limit.

  5. 05

    Withdraw via UPI

    One-tap drawdown. Funds in your bank account in under 90 seconds. Repay via auto-mandate set up at onboarding.

  6. 06

    WhatsApp support

    Conversational onboarding and servicing on WhatsApp Business API. No app install required for basic actions.

Try the eligibility flow now.

Takes 60 seconds. No commitment. No hard credit pull at this stage.

Start eligibility check