The Klinq Advantage
For Planned and Unplanned Moments
4 Easy Steps & 0 Hassle
Enter your PAN and Date of Birth to get started
We check your CIBIL score (preferably above 750)
Pick your amount and complete your application
Choose your EMI plan and get money instantly.
Breaking the Internet
not Bots
Real-Life Plan
to “Approved”
Supported
New ways to Klinq your way!
Carry Klinq
in your Pocket
Apply in minutes, get approved in seconds and manage everything from your phone.
Check your CIBIL in just 3 quick steps
Your details stay private and secure with us.
Need help?
Let’s Klinq it out!
Reach out to us anytime between 10 AM - 7 PM from Monday to Sunday (except national holidays)
Klinq prioritizes "Security" through robust data protection and ethical practices. The app uses secure integrations like DigiLocker for identity verification and the Account Aggregator framework for bank verification to ensure your data is handled safely.
Earning: You earn 500 points upon your first loan disbursal, 100 points for every on-time EMI, and 750 points upon completing your 5th loan. You also earn points for referrals (250 at registration, 500 at disbursal, and 500 for timely repayments).
Using: Points can be redeemed after your first loan is closed on time. They are credited to your account T+2 days after loan closure.
Every point you earn is worth ₹1, giving you a direct way to slash your costs. You can use your points to pay off your processing fees or even get a repayment discount on your interest! It’s our way of making your financial journey even more rewarding.
Delayed payments incur a penal interest of 6% per month, which is calculated daily. Additionally, 100 points will be deducted from your Membership Program for any delayed EMI.
Klinq follows a fixed 3-month cycle where EMI 1 is due on Day 30, EMI 2 on Day 60, and EMI 3 on Day 90. If a due date falls on a Sunday, it is shifted to the next working day but ECS will debit on the due date even if it falls on a Sunday or a public holiday.
Get started with Klinq
(FORMERLY KNOWN AS SHIVDURGA TRADING PRIVATE LIMITED)
%201.svg)
