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Trusted by 1 Crore+ users, FatakPay is an award-winning finance app that makes instant loan & financial products easy for salaried & self-employed people.

FatakPay is a trusted financial super app that is built to empower you financially. Whether you need an instant personal loan, want to improve your credit score, secure insurance, or invest in digital gold & silver, we've got you covered. FatakPay operates through its RBI-registered NBFC subsidiary and IRDAI-regulated Insurance distributor arm.

Why Choose the FatakPay - Loans & Investments App

• Personal Loan & Credit Score: Check your credit score & get personal loans online up to Rs 5 lakhs with instant approvals.
• Instant Loans: Get instant loans up to Rs 20,000 in just 7 mins through a fast, reliable, and fully regulated process.
• Credit Builder: Build your credit score or improve your low credit score through FatakUdaan.
• Investments: Buy 24K Digital Gold & Silver securely and start building your savings with ease.
• Insurance: Stay protected with accident and cancer insurance coverage, complemented by a wellness plan that supports your overall well-being.
• Early Wage Access/Salary Advance: Never let a cash crunch slow you down. Access your salary early, from our instant loan app, when you need it the most.
• Credit Cards: Get an FD-backed free Credit Card instantly with a credit limit of up to ₹1 lakh.

Features of FatakPay Instant Personal Loan App

• Digital Personal Loans: Get 100% digital, personalized instant personal loans with no collateral.
• Flexible Online Loan Repayment Options: Get flexible tenures of up to 48 months with easy EMIs on our personal loan app.
• Competitive Interest Rates: Our quick loan app offers 18% to 40% per annum on an instant personal loan with fast approval.
• Quick Disbursal: Apply for an instant loan on the app & get funds disbursed within minutes.

Data Privacy & Permissions

At FatakPay, privacy is central. You can explore features like bill payments, credit score check, jobs, or investments without sharing SMS access.

When do we ask for SMS permission? Only if you apply for a loan. To process your request instantly, the personal loan app securely reads only bank transaction SMS—never OTPs or personal chats. This helps assess creditworthiness, prevent fraud & enable instant approvals. Consent is always requested & if declined, you can still use all other services.

Commitment to Security

• All data encrypted in transit & at rest, stored in India
• ISO27001:2013 certified processes
• Only registered landlines used for promotions & collections, never private mobiles
• All payments happen via the loan app, never to personal accounts
• All agent calls are recorded, with no threats or abusive language permitted
• No access to contacts or private data, only coarse location for fraud checks

Loan Example

• Loan: ₹20,000 for 12 months
• Interest rate: 20% per annum
• Processing fee: ₹500 (2.5%) + GST ₹90
• Total interest: ₹2,232
• EMI: ₹1,853
• APR: 24.89%
• Amount disbursed: ₹19,410
• Total repayment: ₹22,232
• Total cost: ₹2,822 (interest + processing fees + GST)

Our Lending Partners

Loans are approved & disbursed by our NBFC partner FDPL Finance Pvt Ltd. FatakPay is a Loan Service Provider only.

Support & Contact

Privacy Policy: fatakpay.com/privacy-policy
Terms & Conditions: fatakpay.com/terms-condition
Email: help@fatakpay.com
Connect with us: +91 9240271271 / +91 9240271272
Office: No. 23, 2nd Floor Der Deutsche Parkz, Subhash Nagar Road, Near Nahur (W) Station, Bhandup West, Mumbai 400078

Note: We request permissions like Camera (for KYC selfies), Coarse Location (approximate only, for residence checks) & Device Info (to prevent fraud) only when needed. SMS access is only requested if you choose to apply for a loan.

Download the loan app today & get personal loans, insurance, digital gold & silver investments!