Credwise is a digital lending platform that helps individuals and businesses access quick, transparent, and collateral-free credit. We leverage technology and alternative data (like GST returns, UPI flows, and bank transactions) to make borrowing simple and fair.

We currently offer:

Personal Loans – For lifestyle, medical, education, or emergency needs.

Business Loans – For SMEs/MSMEs to manage working capital, inventory, or expansion.

Home Loans - Helping you buy your dream home, renovate, or transfer an existing loan with competitive rates and flexible tenures.

Auto Loans - For purchasing new or pre-owned vehicles, with easy repayment options designed to suit your budget.

No. Credwise specializes in collateral-free loans, analyzing your cash flow and repayment capacity instead of requiring property or assets.

Your data is fully encrypted and handled in compliance with RBI regulations and industry best practices. We never share your personal or financial details with third parties without consent.

Credwise simplifies the process by working directly with multiple lenders through both online and offline channels. Depending on the lender, approvals and disbursements usually take around 3–5 days, making access to credit faster and more convenient for our customers.