Terms & Conditions

By accessing Quikkred or submitting a loan application, you confirm you are at least 21, an Indian citizen or resident, and agree to be bound by these terms along with our Privacy Policy and Fair Practice Code.

You must:

• Be an Indian citizen or legal resident aged 21 – 60
• Possess valid PAN and Aadhaar
• Have a minimum monthly income of ₹15,000
• Hold an active bank account
• Meet credit assessment criteria at time of application

Loan amounts range from ₹10,000 to ₹5,00,000. Interest is charged at 1% per day on the loan amount. A platform fee of 10% plus 18% GST applies, deducted upfront from disbursement. Tenures available: 7, 15, 30, 60, or 90 days. Late payment fee: 2% per month on overdue amount. Final terms are disclosed in your Key Fact Statement (KFS) before loan acceptance per RBI guidelines.

You may prepay at any time without penalty. Interest is calculated only for the days you hold the loan.

• Provide accurate, truthful information in your application
• Maintain the security of your account credentials
• Repay as per the agreed schedule
• Inform us of any changes to your contact details
• Not use the platform for unlawful purposes

Your use of Quikkred is also governed by our Privacy Policy. You consent to the collection and processing of your data as described there, including sharing with credit bureaus, KYC providers, and Satsai Finlease Pvt Ltd.

All content, trademarks, and technology on Quikkred belong to FluxusForge Private Limited. You receive a limited license to use the platform for applying for and managing loans.

To the maximum extent permitted by law, we are not liable for indirect, incidental, or consequential damages. Our aggregate liability is limited to the fees paid by you in the 12 months preceding any claim.

We may suspend or terminate your account for breach of these terms, fraudulent activity, or regulatory reasons. Upon termination, any outstanding loan balance remains due.

These terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of courts in New Delhi.

For questions about these terms, email support@quikkred.com. For complaints, contact our Grievance Officer Mr. Manish Soni at grievance@quikkred.com.