Responsible Lending Statement

Last updated: April 2026

Credlyne is built on the principle that credit must improve a borrower's life, not trap them in a debt cycle.

1. Affordability-first underwriting

We only approve credit lines that fit comfortably within your salary cycle, capped at a multiplier of your verified take-home.

2. No predatory rollovers

We do not auto-extend overdue balances into new loans. Missed dues trigger counselling, not silent compounding.

3. Transparent pricing

Every fee, every rupee of interest is disclosed upfront via the Key Fact Statement. APR includes everything.

4. Credit literacy

Free in-app financial wellness modules, salary-cycle planning tools, and CIBIL improvement guidance.

5. No coercive recovery

We follow the RBI Fair Practices Code. Recovery agents are trained, disclosed, and audited.

Prototype notice: These legal templates are placeholder drafts for the v1 prototype. Replace with counsel-reviewed text before any production use.