Airpay Capital

Airpay Capital
About this app
📱 Airpay Capital — Fast, Fair & Fully Digital Loans
Complete KYC, choose your loan, and get funds — all in one secure app. Loans are provided in partnership with RBI-registered NBFCs.

About Airpay Capital:
Airpay Capital offers Personal Loans and Business Loans with simple digital onboarding, transparent terms, and quick disbursal.
Designed for salaried professionals and self-employed individuals — apply, complete KYC, check offers, and receive funds with minimal paperwork.

Key Highlights:
 100% digital journey: Apply, verify, and track loans online
 Quick disbursal: Typically, within 24 to 48 hours after approval
 Repayment: Monthly EMIs via eNACH, UPI mandate
 Part-payment and Foreclosure: allowed via Debit Card, UPI, and Internet Banking
 Secure: Bank-grade encryption with strict data protection

Loan Products & Terms (Indicative):
 Personal Loan for Salaried Individuals
✅ Loan Amount: ₹ 50,000 to ₹ 5,00,000
✅ Tenure: 6 months to 36 months
✅ Interest Rate: 20% - 30% p.a. (reducing balance basis risk-based underwriting)
✅ Processing Fee: 3% of the loan amount
✅ APR range: 21% - 33%
✅ Eligibility: Minimum age 21 years; good credit history; ≥6 months banking history
✅ Documents: Aadhaar, PAN, and Bank statement

 Business Loan for Self-employed Individuals
✅ Loan Amount: ₹ 50,000 to ₹ 5,00,000
✅ Tenure: Up to 24 months
✅ Interest Rate: average 24% p.a. (reducing balance basis risk-based underwriting)
✅ Eligibility: 21 to 60 years; Business Vintage being a minimum of 2 years
✅ Documents: Aadhaar, PAN, Bank statement - if enhancement of sanctioned amount is sought

What You Can Do in the App:
o Select the loan you want to apply for and complete KYC
o Check the loan eligibility
o Select the loan amount and tenure that fits your needs
o Review loan offers from RBI-registered NBFCs - Apollo Finvest (India) Limited if applying for a personal loan or Muthoot Fincorp Limited for business loans
o Track disbursal, EMIs, and loan statements directly in the app
o Make part-payments or close the loan early (foreclosure option available)

Example Repayment (Illustrative Only):
These numbers are for illustration. Actual offers, rates, and fees depend on your profile and lender decision. Processing fees and taxes, if applicable, will be shown before you accept.

Personal Loan Example -
Loan Amount: ₹1,00,000
Tenure: 24 months
Interest Rate: 24% p.a. (reducing balance)
Processing Fee: Nil (for illustration)
EMI (approx.): ₹5,291 / month
Total Interest (approx.): ₹26,984
Total Repayment (approx.): ₹1,26,984

Important Information & Disclaimers:
Lending Partner for Personal Loans: Apollo Finvest (India) Limited (RBI-registered NBFC)
Registration No.: 13.00722
Personal loans are facilitated by Apollo Finvest (India) Limited and are subject to eligibility, verification, credit assessment, and lender discretion.

Lending Partner for Business Loans: Muthoot Fincorp Limited (RBI-registered NBFC) Registration No.: 16.00170
Business loans are facilitated by Muthoot Fincorp Ltd and are subject to eligibility, verification, credit assessment, and lender discretion.

Interest rates, processing fees, and taxes vary by applicant profile; final terms are shown on the loan offer screen. Please read all Terms & Conditions and the loan agreement carefully before accepting an offer. Late payment fees, bounce charges, and other charges may apply as per Lending Partner policy.

Why Choose Airpay Capital?
 Fast, transparent lending with no hidden charges
 Flexible tenures and repayment options to match your cashflows
 Clear, example-based pricing so you know costs upfront
 Trusted NBFC partner with strong security and easy account management