ArthLoan - Credit Line App

ArthLoan delivers a revolving credit line right to your phone — no queues, no paper, no surprises. Apply once, get a decision instantly, and withdraw exactly what you need whenever life calls for it.
Every fee is shown upfront before you tap confirm. Repay early to pay less interest, and your limit resets the moment your payment clears — keeping funds ready for whatever comes next.

Key Features
Instant Credit Decisions
No more waiting days for approval. Our automated system evaluates your application in real time, returning a clear credit decision within minutes — letting you act when opportunity strikes.
Borrow Only What You Need
ArthLoan puts you in control. Choose any amount within your approved limit — not a penny more, not a package deal. The rest stays available for when you need it next.
Fully Transparent Costs
You see the complete breakdown — interest, applicable charges, and total repayment — before you confirm anything. No hidden fees, no fine print surprises. What you see is exactly what you pay.
Early Repayment Saves You Money
Settle your balance early and interest stops accruing immediately. There is no prepayment penalty — the sooner you repay, the less you owe. Your financial progress works in your favour.
Bank-Grade Security, Always On
Your account and personal data are protected by end-to-end encryption, strict access controls, and continuous threat monitoring — 24 hours a day, every day. Security is never an afterthought at ArthLoan.
Instant Limit Restoration
Repay any outstanding balance at any time and your full credit limit is restored immediately — no fresh application, no repeated verification, no waiting period. Your ArthLoan credit stands ready from the moment settlement clears.

Credit Line Details
- Credit Line Range: INR 3,000 – INR 50,000
- Maximum Usage Period: up to 365 days
- Daily Usage Rate: up to 0.065% per day
- Maximum Annualized Rate (APR): up to 23.73%
Once you repay your outstanding balance, your credit limit resets automatically to the full approved amount — immediately available again, subject to your current account standing.

Cost Illustration
The example below is purely illustrative — it shows how daily-rate interest accumulates over a typical borrowing period.
- Amount Drawn: INR 10,000
- Daily Rate: 0.065%
- Usage Period: 100 days

Cost Breakdown
INR 10,000 × 0.065% × 100 days = INR 650
Total Repayment: INR 10,650
Interest accrues daily on the outstanding balance. Borrowing a smaller amount, repaying ahead of schedule, or making partial payments all reduce the total you pay.

Eligibility Requirements
- Be at least 18 years of age — you must be legally of adult age to enter into a credit agreement under Indian law.
- Hold a valid government-issued ID document — a current, verifiable identity document issued by Indian authorities (Aadhaar, PAN, Passport, or equivalent) is required to confirm your identity.
- Pass ArthLoan's eligibility assessment — our consistent, impartial review confirms your profile meets our credit standards before access to the credit line is granted.

Customer Support
Whether you are new to ArthLoan or an existing user, our support team reads every message and replies in person — from account setup questions to repayment guidance.
Customer service email: support@arthloan.co