Instant Credit · Zero Confusion

Your Money, Your Moment

ArthLoan delivers a revolving credit line right to your phone — no queues, no paper, no surprises. Apply once, get an instant decision, 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.

Get Started

0.065%

Daily Rate

365 Days

Max Tenure

Why ArthLoan

Five Things That Set Us Apart

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.

The Numbers

Transparent from Day One

₹3K – ₹50K

Available Credit Range

365 days

Maximum Repayment Period

0.065%

Daily Rate on Outstanding Balance

23.73%

Effective Annual Rate

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.

See the Numbers

A Real-World Cost Example

This illustration shows exactly how interest accumulates over a 100-day period and why repaying sooner keeps the total cost lower.

₹10,000

Amount Borrowed

0.065%

Daily Rate

100

Days

₹650

Interest

Total Amount to Repay ₹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.

Who Can Apply

Three Simple Requirements

ArthLoan keeps eligibility clear and consistent. Satisfy all three conditions and you are ready to apply — no guesswork, no hidden criteria.

Age 18 or Above

ArthLoan is a service for adults. You must be at least 18 years old at the time of registration to be eligible for a credit account.

Valid Government ID

A valid government-issued identity document — Aadhaar, PAN, Passport, or an accepted equivalent — is required to create and verify your account.

Pass Our Review

Every application goes through a quick, automated, and impartial assessment. For most applicants, the review completes without any extra steps required.

We're Here to Help.

Whether it's a question about your first application, a charge you want explained, or a problem with your account — our support team reads every message and replies in person.

Reach Us Anytime

support@arthloan.co

Write to us at any time. We aim to respond to every message within one business day and are happy to help with any ArthLoan question.