We're here to help

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.