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Everyone

Lexin India Technology Private Limited

KitKat

LeCred is a Personal Loan App exclusively for Young Adults across India within the age group 18 – 45 years. You can avail a Loan with zero collateral and minimum documentation and the process is completely online. LeCred is a technology intermediary which facilitates Personal Loans from NBFC to the Customers.
Money crunch, Medical emergencies, Bills chasing you, Payment dues, Credit Card dues, any Financial issues can be solved at your fingertips with LeCred.
Eligibility:
1. Indian Citizens 
2. 18 - 45 years old
3) Should have a monthly Source of Income
Features:
1)	Hassel Free Process 
2)	Process is Completely Digital
3)	Minimal Documentation required
4)	Accessible across India 
5)	Instant Approval of Loan Amount
6)	Amount will be credited directly to your Bank Account
 How to get started?
1) Install the LeCred App from Google Play Store
2) Sign up using your Facebook account or Mobile Number.
3) Upload your KYC Documents (PAN, AADHAR Card/Passport)
4) Application will be verified and approved by our lending partner instantly
5) E-sign the loan Agreement Digitally
6) Our lending partner will credit the Loan amount to your account Instantly 
Amount, Tenure, Fees &  Charges:
Amount:  ₹ 2000 - ₹ 50,000
Tenure: 61days to 12 months
Interest Rates: 2.5% per month, 30% per annum
(Depending on the creditworthiness, Repayment ability and users risk profile, and the maximum rate of interest is 30% per annum)
Processing Fee: Starting from 2% up to 8%
(A unique tailored structure of processing fee depending upon the risk profile and creditworthiness of the user)
GST: 18% applicable on the Processing fee as per Indian Law
Representative Example
Principal Amount= ₹10,000
Annual Interest Rate = 30 %
Loan Tenure = 12 months
Payable Interest = ₹ 1698.46
Processing Fee = ₹200 - ₹800
Total Payable Amount = ₹11,698.46
Monthly Payable Amount = ₹947.87
(NOTE: These numbers are just a representation for calculating the rate of interest)
Documents Required:
1)	PAN Card 
2)	Passport /Aadhar Card (Linked with mobile number)
3)	Student ID Card (If in case of Students)
Disclosure of Permissions:
After installing the LeCred App, few permissions will be required from the users. And we ensure that the data privacy and security of our users are maintained.
a)	Call Log  – LeCred App collects READ_CONTACT Permission from users to validate the reference contacts provided by the user 
b)	SMS  - LeCred App collects READ_SMS Permission from users to track Financial Transaction SMS to identify Fraudsters. Other SMS data will not be accessed.
c)	Location -  LeCred also collects the ACCESS_LOCATION Permission to verify users current address 
Contact us
Email: support@lecred.in
Call: 1800121918888
Address: Site No.243, First Floor, Defence Colony, Indiranagar Bangalore 560038

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