This page contains important disclaimers regarding CreditPey's personal loan products, advertising claims, eligibility, fraud warnings, and limitations of liability — as required under the RBI Digital Lending Guidelines (2022) and applicable law. Please read carefully before applying for a loan.
Key Loan Facts — Mandatory Disclosure
Loan Amount
₹5,000 – ₹2,00,000
APR Range
15% – 34% p.a.
Tenure
3 – 12 months
Processing Fee
Up to 10% + GST
Urgent Fraud Warning: We have become aware that fraudsters are using our logo, brand name, and similar email addresses/phone numbers to deceive customers by demanding pre-approval fees or security deposits. CreditPey never charges any fee before loan disbursal. If you receive such a request, do not pay. Report immediately to grievance@creditpey.com or +91 70801 80801.
CreditPey is a product of Dignor Finlease and Investment Private Limited, an RBI-registered Non-Banking Financial Company (NBFC) bearing Registration No. B-14.01877. We provide personal loans to eligible salaried employees in India through our official website www.creditpey.com.
All information on this website is provided in good faith and for general informational purposes. While we make every effort to ensure accuracy, we do not warrant that the information is complete, current, or free from errors. Loan terms, interest rates, and eligibility criteria are subject to change without prior notice.
This website and its content do not constitute financial advice. We strongly recommend that you read all loan documents carefully and seek independent financial advice if required before entering into any loan agreement.
As per the guidelines of the Reserve Bank of India, CreditPey disburses personal loans only after thorough verification of the applicant's eligibility, including:
Approval is not guaranteed. Meeting the eligibility criteria does not guarantee loan approval. All applications are subject to credit assessment, document verification, and lender discretion. Loan amount, interest rate, and tenure offered may differ from what was indicated in advertising.
All loan offers, interest rates, and terms displayed on this website and in our advertisements (including Google Ads) are indicative only. The following disclaimers apply:
Representative Example: Borrow ₹1,00,000 over 12 months at 27% p.a. (flat) | Processing fee: 10% + GST (₹10,000) | Amount disbursed: ₹90,000 (after fee deduction) | Monthly EMI: ₹9135 | Total interest payable: ₹15620 | Total amount payable: ₹115620 | Effective APR: 34% p.a. Actual figures will vary based on your individual credit profile, loan amount, and tenure. All loans are subject to approval and credit assessment.
It has come to our notice that fraudsters are impersonating CreditPey using our logo, brand name, and similar-looking email addresses or phone numbers to deceive loan applicants. Please be aware of the following:
If you suspect fraud: Do not make any payment. Do not share your OTP, bank details, or Aadhaar number. Report immediately to grievance@creditpey.com or +91 70801 80801. You may also report cybercrime at cybercrime.gov.in.
Our website may contain links to third-party websites for informational purposes. CreditPey does not endorse or take responsibility for the content, privacy practices, or services of any third-party websites. Accessing third-party links is at your own risk.
We are not affiliated with any third-party loan comparison websites, aggregators, or app stores that may display CreditPey branding without our authorisation.
To the fullest extent permitted by applicable law, CreditPey (Dignor Finlease and Investment Pvt Ltd) shall not be liable for:
This limitation of liability does not affect your statutory rights as a consumer or borrower under applicable Indian law and RBI regulations.
This Disclaimer and all matters relating to it are governed by the laws of India, including the Information Technology Act 2000, the Digital Personal Data Protection Act 2023, and RBI regulations. Any disputes shall be subject to the exclusive jurisdiction of the courts in Delhi, India.
For any questions, complaints, or concerns regarding this disclaimer or our loan services, please contact us:
Grievance Email
grievance@creditpey.comPhone
+91 70801 80801General Enquiry
info@creditpey.comResponse Time
Within 7 working daysUnresolved complaints may be escalated to the RBI Ombudsman at cms.rbi.org.in.
Dignor Finlease and Investment Private Limited (CreditPey) | RBI Reg. No. B-14.01877 | Gate No. 1, C-5, Fourth Floor, near Metro Station Janakpuri West, New Krishna Park, Vikaspuri, Delhi, 110018 | info@creditpey.com | +91 70801 80801 | Privacy Policy | Terms & Conditions | Disclosure