Terms & Conditions

Last updated: 16 September 2026

These terms govern your use of the ActivPaisa website, customer portal and services. Please read them before you apply. By using ActivPaisa you accept them; if you do not accept them, please do not use the platform.

1. Who we are

ActivPaisa is a brand and platform operated by NexQred Fintech Private Limited (“ActivPaisa”, “we”, “us”), a company incorporated in India. Registered office: B-209, Tower B, Logix Technova, Sector 132, Noida, Uttar Pradesh – 201304, India. CIN: U62091UW2026PTC250727.

2. What ActivPaisa does — and what it does not do

ActivPaisa is a digital financial services platform. It may act as a Lending Service Provider (LSP) for its partner Regulated Entities (REs), subject to the applicable contractual and regulatory framework. We help you discover financial products, submit an application digitally, and track it.

ActivPaisa is not a bank or an NBFC. It does not lend from its own balance sheet, and it does not decide your application. Every credit facility introduced through the platform is provided by a lending partner. Approval, the sanctioned amount, the interest rate and APR, fees, tenure, repayment terms and every other condition are decided by that partner under its own credit policy and applicable regulations.

Nothing on this platform is an offer of credit, a guarantee of approval, or a commitment to lend. Indicative figures, eligibility results, estimated scores and approval-chance indicators are illustrative only. They are generated from the information you give us and, where you authorise it, your credit report — and they do not bind us or any lending partner.

3. Who can use ActivPaisa

You may use the platform only if you are an Indian resident, at least 18 years old, and able to enter a binding contract under Indian law. You must use the platform for yourself, not on behalf of anyone else, and you must not use it if a lending partner or a regulator has restricted you from accessing credit services.

4. The information you give us

You agree that everything you tell us — your identity, contact details, PAN, employment, income, obligations and the documents you upload — is true, accurate, current and your own. Applications are assessed on this information, and an application supported by false or misleading information may be declined, withdrawn or reported by the lending partner.

You are responsible for keeping your account credentials and one-time passwords confidential. We will never ask you for a password, for an OTP, or for a payment to release a loan. If anyone asks you for these in our name, stop and report it to us at once.

5. Consents you give us

When you apply, you authorise us to verify your mobile number by one-time password, to verify your PAN, and to share your application with the lending partner or partners able to consider it. Separately and optionally, you may authorise us to obtain your credit report from a credit bureau; that authorisation is given by an unticked box which you tick yourself, is recorded, and may be withdrawn at any time. How we handle your information is set out in our Privacy Policy, which forms part of these terms.

6. How an application works

You submit an application; we pass it to the relevant lending partner; the partner assesses and decides it. The partner may ask for further documents, run its own verification and its own credit enquiry, and may approve, vary or decline the application. Any loan you take is a contract between you and that partner, on their terms, not ours.

Before you accept any offer, read the lender’s Key Fact Statement (KFS), Annual Percentage Rate (APR), processing fee, other charges, repayment obligations and loan agreement. Borrowing has a cost, and the KFS is where that cost is stated in full.

7. Charges

ActivPaisa does not charge you a fee for using the platform, for submitting an application, or for being introduced to a lending partner. Any processing fee, interest, insurance premium, penalty or other charge is levied by the lending partner under its own agreement with you and is disclosed in its Key Fact Statement.

8. Communications

By giving us your mobile number and email address you agree that we and our lending partners may contact you about your application and our services by SMS, WhatsApp, email and telephone, including on a number registered with DND, as permitted by law. Calls may be recorded for quality and evidence. You can ask us to stop marketing communications at any time; messages that relate to an application in progress are service communications and will continue while it is live.

9. Things you must not do

• Give false information, impersonate anyone, or apply on someone else’s behalf.
• Use the platform for anything unlawful, including fraud or money laundering.
• Attempt to gain unauthorised access to the platform, its systems or another user’s account, or to probe, scan or disrupt them.
• Scrape, copy, republish or resell any part of the platform or its content.
• Upload anything containing malware, or anything you do not have the right to share.

10. Our content and marks

The platform, its content, design, software and the ActivPaisa and NexQred names and logos belong to us or our licensors and are protected by law. You may use the platform for your own personal, non-commercial purpose. Partner names and logos shown on the platform belong to those partners and are used to identify them.

11. Partner terms and third-party links

Each lending partner has its own terms, privacy policy and grievance process, which apply to your dealings with that partner. Links from our platform to other websites are provided for convenience; we do not control those sites and are not responsible for their content or practices.

12. Availability and changes

We aim to keep the platform available but do not guarantee uninterrupted access. We may change, suspend or withdraw any part of the platform, or a product or partner listing, at any time. We may suspend or close your access if we reasonably believe you have breached these terms or used the platform unlawfully.

13. Disclaimers

The platform and its content are provided on an “as is” and “as available” basis. Nothing on ActivPaisa is financial, legal or tax advice. Eligibility results, indicative EMIs, estimated scores, approval-chance figures and comparisons are informational and may differ from a lender’s own assessment. Decisions about borrowing are yours, and you should take your own advice where you need it.

14. Limitation of liability

To the extent permitted by law, we are not liable for indirect or consequential loss, or for loss of profit, opportunity or goodwill; for a lending partner’s decision, terms, conduct or servicing of your loan; or for loss caused by information you gave us being inaccurate, or by your failure to keep your credentials or OTPs secure. Nothing in these terms excludes liability that cannot lawfully be excluded, including for fraud.

15. Indemnity

You agree to indemnify us against claims, losses and costs arising from your breach of these terms, your misuse of the platform, or information you gave us that was false or misleading.

16. Grievances

If something goes wrong, tell us. Our Grievance Officer, the timelines we work to, and how to escalate — including to the lending partner and, where applicable, to the RBI Ombudsman — are set out on our Grievance Redressal page.

17. Governing law and jurisdiction

These terms are governed by the laws of India. The courts at Noida, Uttar Pradesh have exclusive jurisdiction over any dispute arising out of them, subject to any right you have to approach a consumer forum or an ombudsman.

18. Changes to these terms

We may update these terms as our services or the law change. The date at the top shows when they last changed, and your continued use of the platform after a change means you accept the updated terms.

19. Contact

Questions about these terms: grievance@activpaisa.com.