Kivocredit

Grievance Redressal

We're here to sort out your concerns.

Applying for credit should feel simple and stress-free. But sometimes things don't go the way you expect, and you may have a question, a complaint, or just need some help. That's exactly what this page is for.

At Kivo Credit, we want every applicant to have a fair, honest, and easy experience — from the moment you check your eligibility to the day your credit is fully repaid. If something isn't working right, tell us. We're genuinely here to fix it.

Person speaking with support on a phone

Our team

Our Grievance Redressal Team

We have a dedicated team that looks after complaints and concerns from our customers. You can reach out to us about things like:

  • Your application or how it was processed
  • Customer support that didn't meet your expectations
  • Calls, messages, or emails you received from us
  • Trouble using our website or app
  • Concerns about your data or privacy
  • Fees or charges shown on the Platform
  • Anything else related to our services

Response time

We try to get back to you within 5 working days of receiving your complaint. Some issues are quick to sort out, and some take a little longer — but we won't leave you waiting without an update.

Lending partner

If your concern is about the loan itself

Here's something worth understanding: Kivo Credit is a technology platform, not a lender. We help you find and apply for credit, but the credit itself is given by one of our lending partners — a bank or NBFC registered with the RBI. They decide things like approval, interest rate, and repayment terms.

So if your concern is specifically about any of the following, it may need to go to the lending partner as well:

  • Loan approval or rejection
  • Your loan agreement
  • Interest rate or APR
  • EMI or repayment schedule
  • Late payment or penal charges
  • Disbursal of funds
  • Prepayment or loan foreclosure
  • Collections or recovery calls
  • Your credit score or credit bureau report

You'll find the lending partner's own grievance contact in your Key Fact Statement (KFS) and loan agreement.

How we handle complaints

Every complaint is reviewed carefully.

We treat every complaint with respect, and we expect the same in return. No customer applying for credit through Kivo Credit should ever face harassment, pressure, or unfair recovery tactics — not from us, and not from our lending partners.

Every complaint we receive is reviewed carefully, checked against the facts, and handled in line with our policies and the applicable rules.

Escalation

Still not satisfied? Here's what to do next

If you've raised a concern and you're still not happy with how it was handled, you can escalate it further using the escalation steps mentioned in your KFS or loan agreement from the lending partner.

And if you've been through the full grievance process and still feel your issue hasn't been resolved, you have the option to approach the appropriate regulatory authority.

Worth knowing

One more thing worth knowing

Kivo Credit doesn't make the final call on your application. Decisions like approval, interest rate, tenure, and repayment terms are made by our lending partner, based on their own policies and RBI regulations. Our job is to make the process of finding and applying for credit as smooth as possible.

Support

Need general help?

For anything else — questions about the Platform, your application, or just general support — reach out to us:

Website

https://www.kivocredit.com/

Kivo Credit — Credit, simplified.