Our app

Blink Credit

A digital credit information platform that helps users review short-term financial options, applicable charges and repayment details before making a decision.

Blink Credit application promotional screen Blink Credit icon

Clear credit information

Review the complete cost before accepting an offer.

Blink Credit helps users complete a digital application and access loan-related information in a simple and transparent manner.

₹5,000–₹300,000Loan amount range
91–365 daysRepayment tenure
Up to 25%Maximum APR
1% + GSTProcessing fee

Service Provider

Blink Credit works as a platform that connects users with loan products offered through ADITSH FINTECH PRIVATE LIMITED. ADITSH FINTECH PRIVATE LIMITED is an India-registered Non-Banking Financial Company and is responsible for issuing, processing, managing and servicing loan products made available through the Blink Credit application.

FINOVATEX TECHNOLOGIES PRIVATE LIMITED operates the digital platform and supports the application journey. Credit approval, loan terms, disbursement and servicing decisions are made by the service provider in accordance with its policies and applicable Indian requirements.

Loan Details

Loan Amount₹5,000 – ₹300,000
Repayment Tenure91 – 365 days
Maximum APRUp to 25%
Processing Fee1% of the approved loan amount
GST18% on the processing fee

Before accepting an offer, users can review the approved amount, tenure, interest, processing fee, GST and total repayment amount. The final terms shown in the app and loan documents will apply.

Example Calculation

Illustration for a ₹30,000 loan with a 180-day tenure at 18% APR:

Interest: ₹2,663 = ₹30,000 × 18% × 180 / 365

Processing Fee: ₹300 = ₹30,000 × 1%

GST: ₹54 = ₹300 × 18%

Total Repayment: ₹33,017

This calculation is for illustration only. The final payable amount may vary according to the approved amount, selected tenure, applicable APR and final terms presented in the app.

Eligibility Requirements

  • Applicants must be residents of India.
  • Valid KYC documents, income information and verification details are required.
  • Approval depends on credit assessment, eligibility checks and verification by the service provider.
  • Submitting an application does not guarantee approval.

How Blink Credit Works

  1. Register with a mobile number and complete OTP verification.
  2. Enter basic personal details, KYC information and income information in the app.
  3. Upload required documents and submit the digital application for review.
  4. The service provider performs verification, eligibility checks and credit assessment.
  5. Eligible users may receive an offer showing the approved amount, tenure, APR, processing fee, GST, repayment schedule and total payable amount.
  6. The user reviews the Key Fact Statement, loan agreement and all applicable terms before digitally accepting the offer.
  7. After acceptance, approved funds are disbursed through the process managed by the NBFC service provider.
  8. The user can view due dates, repayment amount and payment status in the app.
  9. Repayment is completed through the available payment method or repayment instruction shown in the app.
  10. After successful repayment, the loan account is updated as paid or closed, completing the full loan cycle.

Users should complete registration, review all loan terms, track repayment details and repay on time to close the loan cycle properly.

Contact Us

For Blink Credit support, questions or assistance, email services@finovatexlending.com.