FatakPay: Financial Wellness

10 Million+ users trust FatakPay, an award-winning finance app that makes instant credit & financial products easy for salaried & self-employed people.

We are a financial wellness & instant personal loan app, listed in the RBI's Public Directory of Digital Lending Apps deployed by Regulated Entities.

Whether you need an instant personal loan, want to access an early salary or invest in gold & insurance, we have it all.

⭐ Why Choose The FatakPay Instant Personal Loan App?
•Instant personal loan: Apply for a loan online from ₹20,000 to ₹5,00,000 & get instant loan approvals even with low CIBIL score
•Flexible online credit repayment options: Get flexible tenures of 3 to 36 months with easy EMIs on our instant personal loan app
•Interest rates: Get 12% to 42% per annum on instant credit with fast approval & transparent charges
•Loan application: Apply for a loan online with 100% digital personal loan application and no collateral
•Quick disbursal: Apply for a loan online & get cash instantly with quick credit approval in 7 minutes
•Credit tools: Check your score, calculate EMIs & borrow online credit confidently with our low cibil score personal loan app.

Want To Win Exciting Prizes?
🏏With FatakPay Premier League, we bring you the exclusive Premier League Referral Campaign for all the users! Refer friends, score runs with every successful referral - win exciting prizes like smart TVs, digital gold & more!

💰Fatakpay- More Than Just A Money Loan App
A promise to offer beyond quick loans, we offer the following additional services for smart money management:

•Early wage access: On our credit app, get early salary advances so you are never short on cash
•Investments: Buy 24K digital gold & silver securely stored with our partner Niwish (Digi Smart Assets Pvt Ltd)
•Insurance: Get affordable personal accident insurance in partnership with Shriram GI 🛡
•Bill payments: Use our payments app to pay electricity, water & mobile bills powered by Axis Bank
•Job opportunities: Explore curated jobs through our partner Billion Careers

🔍 Data Privacy & Permissions
At FatakPay, privacy is central. You can explore features like bill payments, credit score check, jobs, or investments without sharing SMS access.
When do we ask for SMS permission? Only if you apply for a loan. To process your request instantly, the personal loan app securely reads only bank transaction SMS—never OTPs or personal chats. This helps assess creditworthiness, prevent fraud & enable instant approvals. Consent is always requested & if declined, you can still use all other services.

🔒 Commitment to Security
•All data encrypted in transit & at rest, stored in India
•ISO27001:2013 certified processes
•Only registered landlines used for promotions & collections, never private mobiles
•All payments happen via the loan app, never to personal accounts
•All agent calls are recorded, with no threats or abusive language permitted
•No access to contacts or private data, only coarse location for fraud checks

💰 Loan Example
•Loan: ₹20,000 for 12 months
•Interest rate: 20% per annum
•Processing fee: ₹500 (2.5%) + GST ₹90
•Total interest: ₹2,232
•EMI: ₹1,853
•APR: 24.89%
•Amount disbursed: ₹19,410
•Total repayment: ₹22,232
•Total cost: ₹2,822 (interest + processing fees + GST)

🤝 Our Lending Partners
Loans are approved & disbursed by our NBFC partner FDPL Finance Pvt Ltd. FatakPay is a Loan Service Provider only.

📞 Support & contact
•Privacy Policy: fatakpay.com/privacy-policy
•Terms & Conditions: fatakpay.com/terms-condition
•Email: help@fatakpay.com
•Connect with us: +91 9987178747 / +91 9240271272
•Office: No. 23, 2nd Floor Der Deutsche Parkz, Subhash Nagar Road, Near Nahur (W) Station, Bhandup West, Mumbai 400078

✅ Note:
• We request permissions like Camera (for KYC selfies), Coarse Location (approximate only, for residence checks) & Device Info (to prevent fraud) only when needed.
• SMS access is only requested if you choose to apply for a loan.