Your credit, simplified.
Personal loans and salary advances for urban professionals and early self-employed earners. Fast disbursal, clear pricing, 100% digital.
₹3,00,000
Approved loan amount
Average approval time
2 minutes ↓ 38%
₹500Cr+
Disbursed
50,000+
Customers
2 min
Approval
4.8/5
Rating
How it works
Credit that moves at your pace.
Three simple steps from application to money in your account.
Apply online
A short, 2-minute form with no impact on your credit score.
Instant approval
Our smart underwriting gives you a decision in minutes.
Money in account
Accept your offer and receive funds the same day.
Our products
The right kind of support.
Personal Loan
For bigger plans, unexpected moments and everything in between.
- 100% digital application
- No collateral required
- Transparent terms
Salary Advance
A little breathing room when your month needs it.
- 100% digital application
- No collateral required
- Transparent terms
Plan with clarity
Know your EMI before you apply.
Indicative calculation. Your final rate and EMI depend on eligibility and lending partner policy.
Your monthly EMI
₹18,645
repayment
Why Kivo Credit
Good credit should feel human.
Instant Disbursal
Get funds in your account the same day.
Competitive Rates
Transparent pricing from 10.99% p.a.
No Hidden Fees
What you see is what you pay.
100% Digital
Apply, verify and track from your phone.
Flexible Tenure
Choose an EMI that fits your month.
24/7 Support
Real people, whenever you need help.
Borrower stories
A better experience, by design.
“I got the funds in my account before lunch. The process was refreshingly clear.”
Rohit Mehra
Product Manager · Bengaluru
Verified borrower
“No awkward calls, no paperwork pile-up. I knew exactly what I was paying.”
Ananya Shah
Marketing Lead · Mumbai
Verified borrower
“The salary advance gave me breathing room without derailing my month.”
Vikram Nair
Operations Manager · Pune
Verified borrower
Am I eligible?
Your next move starts here.
A quick soft-check helps you understand your options without affecting your credit score.
Check your eligibility