How can we help you today?
We need your PAN details to determine your credit eligibility, and Aadhaar details to verify your identity.
Once you have downloaded the Zype app from Playstore/App Store,
· Register with your Email ID to login to Zype·
· Enter your basic details to check your Credit Line eligibility.
· Complete the KYC process to accept the offer.
· Now, you can instantly transfer money from Zype Credit Line to your Bank account.
The approval of your Zype Credit Line application will take less than a few minutes once you have provided all the required information.
We don’t ask for any physical documents. We only require your Aadhaar and
PAN details.
Absolutely! You can avail multiple loans simultaneously from your approved Zype Credit Line. The minimum loan/withdrawal amount
is ₹ 500.
When you provide an Aadhaar number, OTP is sent to the linked mobile number only, not the one with which you are applying. We recommend using your Aadhaar-linked mobile number for the application as it improves your chances of approval.
Rejection of an application happens when it does not meet our eligibility criteria. For further information, please check out our loan eligibility criteria.
You can close your Zype credit line by reaching out to our support team at ___________ or by sending an email to ___________We recommend that you keep the line active as there are no charges associated with an unused redit line.
Yes, of course! We don’t ask for any social media credentials.
You have two ways to log in:
1) Login through a Google account – This is the most preferred way to log in. Please note that Zype does not store your account passwords.
2) Login through any other email. Here you would need to do an OTP verification of your email and hence less preferred.
To delete your account, reach out to our support team at ___________ or send an email to ___________.
The Zype Credit Line is valid without any expiration date as long as you maintain a healthy credit history with us. Please note that you will have the option to convert every withdrawal into EMI for up to 12 months based on eligibility.
Zype’s Credit line approval is absolutely free. You will be charged only when you avail loan(s) from the Credit Line.
Your credit limit is decided primarily on the basis of your profile, income and credit history..
You can check your eligibility to increase your credit limit by providing us with your last three months’ bank statement of your primary bank account. For a better chance to get a higher limit, you may choose to give access to statements from multiple bank accounts using Account Aggregator.
The approval of the Zype credit line is instant. We recommend keeping the app open for a few minutes after submitting your application so that Zype can notify you about the approval status.
Yes, your credit limit can increase/decrease in future depending on your credit behaviour with Zype.
It takes only a few minutes to complete your application. For the best experience, we recommend keeping your Aadhaar and PAN numbers handy along with your Aadhaar-linked mobile.
The processing fee is determined based on your credit risk profile.
Having an official Email ID is not mandatory to get a credit line approved from Zype. You can continue using a personal email itself. However, using an official ID does increase the hances of approval.
Currently, the only way to apply for a credit line from Zype is to download the app from Play Store/App Store.
No problem! You can easily create your Digi Locker instantly during your credit line application on Zype. We recommend keeping your Aadhaar number handy along with your Aadhaar-linked mobile.
Yes. you can upload documents manually in the registered PDF format of your respective bank, or use either of Account Aggregator and Netbanking options.
We suggest checking if you have logged in using your active mobile number. However, if you continue facing the issue, kindly call or write to our Support help desk.
Yes, your referral will get cashback up to INR 100/- on the first cash transfer. For further details, click here.
By referring others, you can earn upto INR 400/- on every successful referral once he/she uses your code to download the app and avail a loan.
- Register or Sign-in with your email id on Zype app
- Enter your basic details and PAN number.
- Based on your eligibility, Zype will automatically offer a pre-approved Credit Line
To start using the allocated Credit Line, you need to complete a one-time KYC process. On successful completion, you can instantly transfer funds to your bank account.
Any Salaried Indian citizen residing in India, with a minimum age of 18 and maximum age of 55 holding a bank account and valid KYC documents can avail Zype services.
Whenever you transfer money from your Zype Credit Line to your bank account, you can choose a repayment plan ranging from 3-12 EMIs.
If your credit line is rejected, you can reapply after a period of 90 days.
- N2C stands for “New to credit”. It indicates that you are yet to take any loan or credit card.
What is Experian? Experian is an American–Irish multinational consumer credit reporting company. You can learn more about it here.
Would personal loans taken from providers other than Zype be reflected in Zype Insights? Yes, absolutely. Zype aims to give a comprehensive picture of all your spending in one place.
Which factors affect my credit score? Your credit score primarily depends on your repayment history, overall outstanding loan amount and the length of your credit history. Read more here.
Does Zype insights get information about all my bank accounts and loans? Zype Insights gets information about bank transactions from SMS data on the registered phone. Zype also reads data that is uploaded manually or through Account Aggregator.
Is my data secure when using Zype insights? Absolutely. Zype values your privacy. Your information is completely confidential and fully secure with us.
Do I need to connect my bank account for Zype insights to work? Zype only uses your transactional SMS to show you financial insights. It does not require your bank account to be connected.
Does Zype Insights affect my credit score in any way? No, Zype Insights does not impact your score. It is only a comprehensive report to help you understand your expenses better and have an overview of your credit profile.
What is Zype Insights? Zype Insights is a unique feature that helps you to effortlessly understand and track all of your expenses, spending patterns, credit history and repayments.
- N2C stands for “New to credit”. It indicates that you are yet to take any loan or credit card.
What is Experian? Experian is an American–Irish multinational consumer credit reporting company. You can learn more about it here.
Would personal loans taken from providers other than Zype be reflected in Zype Insights? Yes, absolutely. Zype aims to give a comprehensive picture of all your spending in one place.
Which factors affect my credit score? Your credit score primarily depends on your repayment history, overall outstanding loan amount and the length of your credit history. Read more here.
Does Zype insights get information about all my bank accounts and loans? Zype Insights gets information about bank transactions from SMS data on the registered phone. Zype also reads data that is uploaded manually or through Account Aggregator.
Is my data secure when using Zype insights? Absolutely. Zype values your privacy. Your information is completely confidential and fully secure with us.
Do I need to connect my bank account for Zype insights to work? Zype only uses your transactional SMS to show you financial insights. It does not require your bank account to be connected.
Does Zype Insights affect my credit score in any way? No, Zype Insights does not impact your score. It is only a comprehensive report to help you understand your expenses better and have an overview of your credit profile.
What is Zype Insights? Zype Insights is a unique feature that helps you to effortlessly understand and track all of your expenses, spending patterns, credit history and repayments.
To help you understand our answers to frequently asked questions, we would like to introduce you to the following terms:
Zype Credit Line: A Zype Credit Line is a credit limit allocated to the applicant based on his/her profile, income, credit history with a minimum limit of INR 500/- to a maximum limit of INR 5,00,000/-.
Zype Loan:
Once Zype credit line is allocated to the applicant, they can transfer funds from their credit line to their Bank account as a personal loan. The customer can transfer funds partially, multiple times, or the entire credit limit in one instance from the allocated credit line.
Minimum Loan Amount 500/-
Minimum Loan Tenure 3 months
Maximum Loan Amount 5,00,000/-
Maximum Loan Tenure 12 months
Statement date/Billing date:
It is the date on which your monthly due statement is generated. In other words, it is the bill generation date of all transactions done during the billing cycle.
Billing cycle:
A billing cycle is an interval of time from the end of one billing period date to the next billing period date. Elaborating further, if a customer’s statement date is the 27th of a month, the billing cycle for the same will be from the 18th of the preceding month to the 17th of the current month. At the end of a billing cycle, your transactions from the billing period and previous balances are added together to determine your statement balance.
Statement Amount:
It is the amount that needs to be paid at the end of a billing cycle. It’s the total of all the purchases, fees, interests, and unpaid balances, minus any advance payments or credits since the previous statement.
Due date:
A payment due date is your deadline for making an on-time payment. You’ll find your payment due date on your statement each month, along with your due amount. This is the last day to make a payment before incurring late fees or penalties.
Difference between Statement Date and Due date:
A statement date is a date specified in the “Statement of Account” on which the statement is generated and printed, whereas a payment due date which is mentioned in your statement is your deadline for making an on-time payment.
Advance payment:
It is a type of payment made ahead of its normal schedule, i.e. a payment made by the customer before the statement date.
Account Aggregation:
It is a process in which data from multiple financial accounts are collected in one place.
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