UdhaarQR - Buy Now Pay Later

UdhaarQR is Nepal's digital credit and Buy Now Pay Later platform designed for individuals, families, shopkeepers, and businesses. The app makes it easy to access credit, manage repayments, pay bills, shop from local vendors, and maintain digital records through a simple and secure mobile experience.

With UdhaarQR, users can scan QR codes to receive credit, track transactions, manage expenses, and build a trusted financial profile. Businesses can digitize customer credit records, reduce paperwork, and improve collection management.

Buy Now Pay Later

Purchase products and services today and pay later based on your approved credit limit. Track repayments, monitor balances, and manage your credit conveniently from one place.

QR Based Credit

Scan QR codes to receive or record credit instantly. Every transaction is stored digitally, making credit management simple, accurate, and transparent.

Digital Credit Ledger

Maintain complete records of credit transactions, payments, balances, and customer activity. No more notebooks or manual record keeping.

Trust Score

Build your financial reputation through responsible credit usage. Your Trust Score is based on account verification, repayment history, transaction activity, and overall account performance.

Credit Limits

Eligible users can unlock personalized credit limits based on their Trust Score and account activity. Better financial behavior can lead to higher limits.

KYC Verification

Secure identity verification helps improve account security and unlock additional features and credit benefits.

Family Credit Network

Connect with trusted family members and strengthen financial relationships. Family connections can help support responsible credit management.

Free Family Chat

Communicate with family members and trusted contacts through built-in messaging features designed for coordination and financial communication.

Online Shopping and Grocery Orders

Order groceries, household products, and daily essentials from participating vendors while managing purchases through your available credit.