CreditLadder-Credit Loans

CreditLadder is a financial service application focused on lending scenarios, providing users with standardized and transparent credit line assessment and information matching services. After submitting the necessary information, users can quickly understand their available credit limit, providing a reference for personal financial planning.

Users can fill in information according to their actual situation on the platform. The platform combines the product rules of compliant financial institutions to match users with corresponding credit line solutions, helping users reduce communication costs and improve credit line application efficiency.

Product Features:
Intelligent Credit Line Matching: Intelligently matches suitable credit lines based on user information, increasing the approval rate;
No Charges When Not Used: Like your backup wallet, you can apply in advance and pay only when you use it;
Compliance and Transparency: Credit line information is clearly displayed, with no hidden fees;
Simplified Application Process: Supports convenient online submission of materials;
Data Security Guarantee: Highly values ​​user privacy and personal information security protection.

Credit Line and Fees:
Flexible withdrawal period, users can choose themselves, with a minimum of 60 days and a maximum of 365 days.
Withdrawal Amount: Minimum 2,000 INR, Maximum 80,000 INR
Daily Interest: 0.05%/day, equivalent to a maximum of 18.25%/year
If the loan is not repaid by the due date, for example, if a user originally planned to withdraw the amount for 30 days but needs to extend it to 45 days, the extra days will still be charged an extension fee of 0.05%/day.
Early repayment is supported, charged according to the actual number of days used.

Example Withdrawal Calculation:
If you withdraw 10,000 INR for 120 days, with an annual interest rate of 18.25%:
Amount Received: After deducting fees, you will receive 9,800 INR.
Fees: 10,000 * 2% = 200 INR.
Daily Interest Rate: 18.25%/365 = 0.05%
Daily Interest Payable: 10,000 * 0.05% = 5 INR
Monthly Interest Payment: 10,000 * 0.05% * 30 = 150 INR Monthly payment: 10,000 * 0.05% * 30 + 10,000 / 120 * 30 = 2,650 INR.
Total interest: 10,000 * 0.05% * 120 = 600 INR.
Total payment: 10,000 + 600 = 10,600 INR.
The user will receive a credit advance of 10,000 INR, to be repaid in 120 days.

If the user repays the credit limit early, the bill will be calculated based on the actual number of days the advance was made.

The specific loan amount is subject to the approval result after submitting the application materials. CreditLadder does not guarantee approval for all users; the actual approval result is subject to the institution's review.

Application Requirements:
Age requirement: 18 years or older with full civil capacity;
Identity requirement: Valid Indian identity document;
Credit requirement: Meet the basic lending access standards of relevant financial institutions;
Qualification requirement: Required documents must be provided.

Application Process
Download and install CreditLadder
Register an account and fill in your basic personal information
Authorize the required data permissions
The system intelligently recommends suitable credit limit products
Submit your credit limit application
Credit limit will be issued after approval

Contact CreditLadder:
If you have any questions, please feel free to contact us!
Contact email: user@ekjoyintlco.com
Working hours: Monday to Saturday 9:00-18:00
Contact address: 50/7 Moo 2 BANG LAMUNG, CHON BURI, 20150 Thailand