RBI-Aligned Digital Lender

Get Cash Before Payday - Decision in Minutes

Short-term payday loans from ₹5,000 to ₹2,00,000. Transparent fees. Direct bank disbursal. 100% digital process.

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256-bit Secure

No Hidden Fees

Direct Disbursal

100% Digital

Quick Cost Estimate

Loan Amount

₹25,000

₹5,000₹2,00,000

Tenure (Days)

30 days

7 days45 days

Interest (1.25%/day)₹0

Processing Fee₹0

GST on Fee (18%)₹0

Net Disbursed₹0

Total Repayment₹0

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*Illustrative only. Actual terms in KFS before signing.

Simple Process

Get Your Loan in 3 Easy Steps

Our fully digital process means no paperwork, no branch visits - just fast, transparent lending.

Share Basic Info

Fill in your personal, employment, and loan details. Takes under 5 minutes.

KYC & Verification

Upload PAN, Aadhaar, and income documents. Our system verifies instantly.

Money in Your Bank

Once approved, funds are disbursed directly to your bank account within hours.

Requirements

Eligibility & Documents

Simple requirements. Keep these details ready for a quick application.

Eligibility Criteria

Indian Citizen

Must be an Indian resident citizen, aged 21–60 years

Employment Status

Salaried or self-employed with regular income

Minimum Monthly Income

₹15,000/month net take-home salary

Active Mobile & Bank Account

Mobile linked to Aadhaar; active bank account for disbursal

Valid KYC Documents

PAN and Aadhaar Card mandatory

Documents Required

Identity Proof

Aadhaar Card + PAN Card (mandatory)

Address Proof

Aadhaar / Passport / Voter ID / Utility Bill

Income Proof

Latest 2 salary slips OR last 3 months bank statement

Bank Account Details

Account number + IFSC code for disbursal & repayment

Selfie / Photo

Live photo for KYC verification (one-time with consent)

Why TrueLine

Why Choose TrueLine Credit?

Built for working Indians who need fast, fair, and transparent short-term credit.

Instant Approval

Smart underwriting evaluates your profile in minutes - no long waiting periods.

Full Transparency

All charges disclosed upfront in our Key Fact Statement (KFS) before you sign.

Direct Bank Disbursal

Money goes directly to your bank account. No intermediary pools or wallets.

Data Privacy First

Your data is stored only in India. We never access your contacts or media files.

Cooling-off Period

Changed your mind? Exit your loan within the look-up period - zero penalty.

Dedicated Support

Grievance Redressal Officer available. Escalate to RBI Ombudsman if needed.

Transparent Pricing

Rates & Charges at a Glance

No surprises. Every charge is disclosed in your Key Fact Statement before you agree.

Parameter	Details
Loan Amount Range	₹5,000 – ₹2,00,000
Tenure	7 - 45 days (payday single-pay)
Daily Rate of Interest	1.00% - 1.25% per day (based on profile)
Indicative APR	365% – 385% p.a. (single-pay payday product)
Processing Fee	2% – 4% of loan amount + GST at 18%
Prepayment / Pre-closure Charges	Nil
Late Payment / Penal Interest	As per loan agreement (disclosed in KFS)
Cooling-off / Look-up Period	≥3 days for tenures ≥7 days; ≥1 day for tenures <7 days

*APR is illustrative. Actual APR will be specified in your Key Fact Statement (KFS) before contract execution. Full Rates & Charges →

Customer Stories

What Our Customers Say

"Applied at midnight, money was in my account by 9 AM. The charges were exactly as shown in the calculator - no hidden surprises."

Rahul M.

Software Engineer, Bengaluru

"I needed ₹20,000 urgently before payday. The app process was simple and the KFS made all charges crystal clear. Very professional."

Priya S.

Teacher, Mumbai

"Transparent, fast, and the team actually called to confirm details. Repayment was seamless via NACH mandate. Will use again."

Amit K.

Small Business Owner, Delhi

FAQs

Frequently Asked Questions

What is a payday loan / single-pay loan? +

A payday loan is a short-term personal loan where you borrow a fixed amount and repay the full amount (principal + interest + fees) on a single due date - typically your next salary date. TrueLine Credit offers tenures of 7 to 45 days.

What is the interest rate? +

We charge between 1.00% and 1.50% per day, based on your credit profile and loan amount. Your exact daily rate and total cost will be shown clearly in the Key Fact Statement (KFS) before you sign.

What is the Key Fact Statement (KFS)? +

The KFS is a standardised summary document required by RBI (Digital Lending Guidelines 2022) that shows all your loan details - APR, all fees, repayment amount, due date, cooling-off period, and grievance officer contact - before you sign the loan agreement.

Can I repay early without penalty? +

Yes. TrueLine Credit charges zero prepayment or pre-closure fees. You can repay early and save on interest for the remaining days.

What is the cooling-off period? +

As per RBI guidelines, you have at least 3 days (for tenures ≥7 days) to exit your loan after approval by repaying only the principal and proportionate interest/APR - no penalty. For tenures under 7 days, the period is at least 1 day.

Is my data safe? +

Yes. All data is stored on servers in India. We follow RBI's Digital Lending Guidelines on data privacy - we never access your contacts, call logs, or media. You can revoke consent and request data deletion at any time.

How long does approval and disbursal take? +

Typically 15–60 minutes during business hours after KYC verification is complete. Funds are disbursed directly to your registered bank account.

What if I have a complaint? +

Contact our Grievance Redressal Officer at grievance@trueline.credit. If unresolved within 30 days, you may escalate to the RBI Ombudsman at cms.rbi.org.in.