VishwasLoan - Credit Line App

VishwasLoan delivers a reliable, transparent revolving credit line built on complete trust. Complete one simple digital application, receive instant approval, and access funds anytime life demands cash — zero branch visits, no lengthy physical paperwork.

All fees and charges are fully disclosed upfront before you confirm your withdrawal. Repay on your own timeline with zero prepayment penalties. Your full credit limit restores instantly once payment is processed, keeping trusted funds available for all unexpected and planned expenses ahead.

Key Features
1. Decisions in Minutes, Not Days
Fast Digital Approval In Minutes No queues, no follow-up calls. Get instant credit verdict once you submit your application.
2. Your Amount, Your Choice
Borrow Any Sum Within Your Limit No fixed loan packages. Withdraw only the cash you need, leave remaining limit reserved for later use.
3. Complete Transparency, Zero Surprises
100% Transparent, No Hidden Fees All principal, daily interest & total cost clearly shown upfront. No tricky fine print or hidden charges.
4. Settle Early, Save More
Prepay Anytime With Zero Penalty Interest charges stop the day you repay early. Clear dues ahead of schedule to cut your interest cost.
5. Security You Can Count On, Around the Clock
Enterprise-Grade 24/7 Data Protection Bank-level encryption safeguards all your personal & financial data with round-the-clock monitoring.
6. Instant Limit Restoration
Credit Limit Restored Immediately After Repayment No reapplication or repeated ID checks. Your full limit is ready to reuse once payment clears.

Credit Line Details
- Credit Line Range: INR 3,000 – INR 50,000
- Minimum Loan Term: 91 days
- Daily Usage Rate: up to 0.065% per day
- Maximum Annualized Rate (APR): up to 23.73%
Once you fully repay all outstanding balance, your credit limit automatically resets to the complete approved amount and becomes accessible instantly, subject to your ongoing account eligibility status.

Cost Illustration
This example is purely for reference, demonstrating daily interest accumulation over a standard borrowing tenure:
- Amount Drawn: INR 10,000
- Daily Rate: 0.065%
- Usage Period: 100 days
Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650
Total Repayment: INR 10,650

Interest is computed daily on your pending balance. Smaller withdrawal amounts, early full settlement or partial EMI payments all lower your final interest expenditure.

Eligibility Requirements
- Minimum 18 years of age: You must attain legal adulthood to legally enter a credit agreement as per Indian financial laws.
- Valid government-issued identity document: A current, verifiable Indian official ID (Aadhaar, PAN, Passport or equivalent authorised document) is mandatory for identity validation.
- Pass VishwasLoan’s automated eligibility review: Our fast, unbiased digital evaluation verifies your profile meets our lending norms before revolving credit access is granted.
Customer Support
From your first application submission to your final repayment closure, our dedicated support team stands ready to resolve all queries. Every support message is handled by a trained human support executive familiar with all product features, with guaranteed prompt responses for all user inquiries.
Customer service email: [email protected]