Kredito24 App Reviews, Customer Care Number & Details

Website-only loans of ₹1,000 to ₹40,000 for 7 to 28 days, lent by three small NBFCs

This Kredito24 app review covers interest rates, eligibility, charges, documents and real borrower feedback, along with the verified Kredito24 customer care number and support email — plus the RBI grievance route if a complaint is not resolved in 30 days.

FINTECHRBI RegulatedSelf-Employed OK

Reviewed by BankCreds App Review Team· App Review Analysts Updated 30 October 2026

Kredito24 is a loan website run by Tecazoid Innovations Private Limited, and the money itself comes from one of three RBI-registered NBFCs: North East Hire Purchase Company (India), GSD Trading And Financial Services and Asomi Finance. What you most need to know is the price and the clock: loans last 7 to 28 days, interest runs up to 0.2% a day, and one lender's own policy allows an APR as high as 900%. There's no Kredito24 app on Google Play as of October 2026. The Play link a lender still shows returns a not-found page, so you apply on the website. First-time borrowers can get ₹1,000 to ₹10,000, and repeat borrowers up to ₹40,000. Below we set out what each lender discloses, what a loan really costs and where the paperwork contradicts itself.

Quick Facts

₹40,000

Max Loan

0% to 73% a year

Interest Rate

Homepage: 'in 5 minutes'; How-to page: within 24 hours of signing; FAQ: normally up to 2 days depending on the bank. Not verified (no user reviews).

Disbursal

7 to 28 days

Tenure

9.4% to 19.74% + GST

Processing Fee

Our Ratings

Disbursal speed 2.5/5

The homepage promises money in 5 minutes and the FAQ says transfers can take up to 2 days, and with no user reviews we couldn't check either.

Interest & cost 1.0/5

Interest of up to 0.2% a day, lender fees that start at 9.40% and an extension charge of half the loan make this very expensive credit.

App experience 1.5/5

There's no app on Google Play, so everything runs through a website whose own pages disagree on loan amounts and tenure.

Customer support 2.5/5

Kredito24 lists two phone lines, a support email and a named nodal officer with a mobile number, but its lenders print different helplines and hours.

Safety & transparency 2.0/5

The lenders are RBI-registered and two confirm the tie-up, but auto-disbursal wording, a missing app and clashing disclosures drag it down.

Loan Details & Charges

Loan Amount ₹1,000 to ₹40,000

Interest Rate 0% to 73% a year

Tenure 7 to 28 days

Processing Fee 9.4% to 19.74% + GST

Late Payment Kredito24 FAQ: overdue interest 0.2% per day. North East policy: default interest 0.1% to 0.2% per day for 1 to 30 days of delay. GSD policy: penal charge/interest up to 2% of loan amount per day. Extension: pay 50% of the current loan amount plus charges (Kredito24 FAQ); North East's extension fee is 50% of initial principal incl. GST.

Foreclosure Early repayment allowed (Kredito24 FAQ); North East's policy says it does not levy prepayment charges. GSD and Asomi publish no figure.

Eligibility Criteria

Age 22+ years

Employment Salaried, Self-employed

Documents Aadhaar, PAN, Aadhaar-linked mobile number, active bank account in own name (privacy policy also lists bank statements, ITRs, pay slips among data it may collect)

What It Actually Costs

Loan amount ₹10,000

Tenure 28 days (about 0.93 months), one repayment

Monthly EMI ₹10,560 in one payment on day 28 (no EMIs)

Total interest ₹560 (0.2% a day for 28 days)

Processing fee ₹1,109 (9.40% = ₹940 + 18% GST of ₹169), deducted upfront

Total repayment ₹10,560

Illustrative: the largest first loan at Kredito24's top rate of 0.2% a day, with North East's lowest processing fee plus 18% GST. You'd receive about ₹8,891 and repay ₹10,560 four weeks later, and North East's separate service fee of 8.30% to 34.65% would push the cost higher still.

Try the Kredito24 EMI calculator

Pros

All three lenders are named and appear in RBI's NBFC list as on 30 September 2026
North East and Asomi both name Kredito24 and Tecazoid as their lending service provider
Small first loans of ₹1,000 to ₹10,000, so you aren't pushed to borrow big
A named nodal grievance officer with a direct mobile number is published
You can repay early, and North East's policy says it charges no prepayment fee

Cons

Interest up to 0.2% a day, and one lender's policy allows an APR of up to 900%
A 7 to 28 day term leaves almost no slack if your salary arrives late
North East's policy adds a 9.40% to 19.74% processing fee plus a separate service fee
No app on Google Play; the Play link a lender shows returns a not-found page
Its own pages disagree: ₹40,000 or ₹5 lakhs, 28 days or 180 days

Our Verdict

Kredito24 isn't a fake lender. North East and Asomi both name it, and its operator Tecazoid, as their lending service provider on their own websites, and all three lenders sit in RBI's NBFC list as on 30 September 2026. GSD's site still names the earlier operator, Oneclickmoney Techplus, which tells you the paperwork hasn't caught up. It's still a costly and awkward way to borrow. Loans run 7 to 28 days, and Google Play bars personal-loan apps whose loans must be repaid in full within 60 days. Interest goes up to 0.2% a day, which North East's policy puts at 73% a year, and that same policy adds a processing fee of 9.40% to 19.74% and a service fee of 8.30% to 34.65%. Need more time? An extension costs half the loan. The sign-up page also says an approved loan lands in your account automatically and counts as accepted unless you send it back the same calendar day. Use it only for a small gap you're certain you can repay on the due date, and read the Key Fact Statement before you type any OTP. If you can wait, a regulated app with EMIs and a longer term is likely to cost you less.

Who Kredito24 suits

Borrowers who need ₹1,000 to ₹10,000 for a few weeks and know exactly when the repayment money arrives

People who've checked the NBFC named in their Key Fact Statement against RBI's NBFC list

Borrowers with no cheaper option who accept a very high cost for a very short loan

Look elsewhere if

You need more than a few weeks to repay or want monthly EMIs

You want an app listed on Google Play with a published APR and real user ratings

You can't risk an extension fee of half the loan if your pay is delayed

Not sure the app is genuine? Is Kredito24 real or fake? How to check it yourself

Things to Watch

Terms of 7 to 28 days fall under the 60-day minimum Google Play sets for personal-loan apps, and there's no Play app.
The sign-up consent says approved money is sent automatically and counts as accepted unless you return it the same calendar day.
North East's rate policy allows an APR of up to 900% and charges 50% of the principal to extend a loan.
GSD's website still names the old operator for Kredito24 and leaves its daily interest rate blank in its rate policy.
Kredito24's privacy policy lets it read transactional SMS and share data with outside advertising networks.

How to Apply for Kredito24

1

Open the Kredito24 website

Enter the mobile number linked to your Aadhaar. Skip any Kredito or Kredito24 app in the app stores; those aren't from this lender.
2

Verify the OTP and fill in your details

Add your PAN, Aadhaar, income and bank details. The bank account has to be active and in your own name.
3

Read the Key Fact Statement first

Check which NBFC is lending, the daily rate, every fee and the due date before you enter the contract OTP, because approved money can then be sent automatically.
4

Receive the money and plan repayment

The site says funds arrive within 24 hours, though its FAQ allows up to 2 days. Repay by UPI or net banking from your account page before the due date.

Documents Required

Aadhaar card

PAN card

Mobile number linked to Aadhaar

Active bank account in your own name

Income proof such as bank statements or pay slips, if asked

What Real Users Say

There's no Play Store rating. A Play developer called Kredito24 IN and a Kredito24 app on Apple's store are unrelated calculator apps, so ignore their ratings.

We found no user reviews we could verify. Kredito24 has no Google Play listing, so there are no dated Play ratings or reviews to read as of October 2026.

What users love

None we could verify.

Common complaints

None we could verify. We found no news report, RBI caution or police action naming Kredito24 or its three lenders, but silence isn't proof of fair treatment.

How Kredito24 Compares

vs mPokket — mPokket covers similarly small loans through a Google Play app, so you can read its listing terms and ratings before you apply.

vs Pocketly — Pocketly also targets small first loans but comes as a Play Store app, which means it had to clear Google's loan-app rules.

vs Stashfin — Stashfin offers small amounts with far longer repayment than Kredito24's 7 to 28 days, which eases the pressure of a single due date.

How we tested

On 30 October 2026 we read Kredito24's website, including its FAQ, terms, privacy policy, lenders page and digital lending disclosures, plus archived copies of its homepage. We read the websites and rate policies of all three NBFCs, RBI's NBFC list as on 30 September 2026, RBI's digital lending directions and Google Play's loan policy. We couldn't open RBI's Digital Lending Apps directory or its cancelled-registration list, found no Play listing or user reviews, and didn't take a loan.

Kredito24 Customer Support Details

Kredito24 is a website run by Tecazoid Innovations. Loans come from North East Hire Purchase, GSD Trading or Asomi Finance, all RBI-registered NBFCs. Support works 9 am to 6 pm, Monday to Friday, on +91 124 692 0540 or +91 124 692 0541. To escalate, write to Nodal Grievance Redressal Officer Pratap Singh (+91 7428658811). The terms list complain@kredito24.in instead, so copy both. Next, contact your lender, such as nodal@north-east.in or grievance@asomi.in. There is no Kredito24 app on Google Play now, so ignore APK links.

Kredito24 customer care number	+91 124 692 0540
Kredito24 WhatsApp number	NA
Kredito24 customer support email ID	care@kredito24.in
Registered lending entity	North East Hire Purchase Company (India) Private Limited, GSD Trading And Financial Services Private Limited and Asomi Finance Private Limited (RBI-registered NBFCs); Tecazoid Innovations Private Limited runs the website
Kredito24 grievance officer email	grievance@kredito24.in

Verified from Kredito24's official contact or grievance page on 2026-09-13. Companies change helplines without notice — cross-check inside the app before calling, and never share an OTP, PIN or card details with anyone claiming to be support. Full Kredito24 customer care page → All lender, bank & insurer contacts →

Frequently Asked Questions

Is Kredito24 safe and RBI registered?

Kredito24 isn't registered with RBI itself; it's a lending service provider run by Tecazoid Innovations. Your loan comes from North East Hire Purchase Company (India), GSD Trading And Financial Services or Asomi Finance, and all three appear in RBI's NBFC list as on 30 September 2026. North East and Asomi confirm the tie-up on their own sites. We couldn't open RBI's Digital Lending Apps directory to check the listing there.

What does a Kredito24 loan really cost?

Kredito24 says interest runs from 0% to 0.2% a day, and North East's policy puts the ceiling at 73% a year. Fees come on top: North East lists a processing fee of 9.40% to 19.74% and a service fee of 8.30% to 34.65%, plus GST. In our example, a ₹10,000 loan for 28 days leaves about ₹8,891 in your account and ₹10,560 to repay.

How much can I borrow from Kredito24, and for how long?

First-time borrowers can take ₹1,000 to ₹10,000, and repeat borrowers in good standing can go up to ₹40,000. The FAQ sets the term at 7 to 28 days, repaid in one go. Other Kredito24 pages mention up to 180 days and even ₹5 lakhs, so rely on the amount and due date printed in your own Key Fact Statement.

Who is eligible for Kredito24, and what documents are needed?

Kredito24 wants applicants aged 22 or older with a stable income and an active bank account in their own name. Salaried and self-employed people can both apply. You'll need Aadhaar, PAN and a mobile number linked to Aadhaar for the OTP. No minimum income or credit score is published, though the privacy policy says it may pull your credit report.

What is the Kredito24 customer care number, and how do I complain?

Kredito24's contact page lists +91 124 692 0540 and +91 124 692 0541, Monday to Friday, plus the email care@kredito24.in. For complaints, the nodal grievance officer is Pratap Singh on +91 7428658811 or grievance@kredito24.in. If nothing is fixed within 30 days, take it to RBI's Complaint Management System and name the NBFC on your loan.

Is there a Kredito24 app on Google Play?

No. As of October 2026 there's no Kredito24 lending app on Google Play, and the Play link on GSD's website returns a not-found page. A Play developer called Kredito24 IN publishes calculator apps aimed at the Philippines, and Apple's store has an unrelated Kredito24 deposit calculator. Neither lends money, so don't share documents through them.

How do I file a complaint against Kredito24?

Work the escalation ladder in order. First, raise the complaint with Kredito24 support (care@kredito24.in) and insist on a written complaint reference number — a call with no reference number effectively did not happen. If it is unresolved, escalate to the grievance redressal officer at grievance@kredito24.in. The regulated entity has 30 days to resolve it. After that, you can complain free of cost to the RBI Ombudsman at cms.rbi.org.in — no lawyer is needed, and the decision is binding on the lender.

How do I stop harassment calls from Kredito24 recovery agents?

RBI's rules on recovery conduct are specific: agents may not call before 8 a.m. or after 7 p.m., may not use threats, abuse or intimidation, and may not contact people from your phonebook to shame you. Blanket access to your contacts and photos is prohibited for digital lenders. If this is happening, save the evidence — call logs, screenshots, recordings — and complain to the lender's grievance officer (grievance@kredito24.in), then to the RBI Ombudsman at cms.rbi.org.in if it continues. If the app is not a regulated entity at all, report it on the RBI Sachet portal (sachet.rbi.org.in) and to the cyber-crime helpline 1930 or cybercrime.gov.in. Harassment, morphed images and contact-list shaming are criminal offences regardless of whether you owe money.

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82	BharatPe Credit Line YES Bank (Pay Later line); personal loans via BharatPe Capital, Unity Small Finance Bank, Poonawalla Fincorp, InCred, Piramal Finance, Aditya Birla Capital, L&T Finance and other partner lenders	4	₹15L	18% – 70% p.a.	Read Review
83	Chintamani Finlease Chintamani Finlease Limited	3.8	₹3L	Up to 26% a year	Read Review
84	ZapCash Weekline Investment & Trading Co. Limited (also BMW Fin-Invest Private Limited)	3.8	₹5L	12% – 30% p.a. advertised; lender policy prices payday loans at 0.10% – 1.00% per day	Read Review
85	AbhiCash C.N.M.P. Investments Private Limited	3.6	₹2L	14% to 36% a year	Read Review
86	Omozing Aparampaar Finance Private Limited	3.5	₹25L	11% to 59% a year	Read Review
87	Instant Mudra Chintamani Finlease Limited	3.5	₹30,000	Up to 66% a year	Read Review
88	Cash247 Meghdoot Mercantile Private Limited	3.5	₹2L	12% to 32.5% a year	Read Review
89	Udhaar Box Moneyplus Financial Services Limited	3.4	₹50,000	10.5% to 365% a year	Read Review
90	Prefr Aditya Birla Capital Finance, Poonawalla Fincorp, SMFG India Credit, Zype, MAS Financial Services	3.2	₹5L	18% – 30% p.a.	Read Review
91	SalaryMantra Bagmane Traders Private Limited	3.1	₹1.5L	Up to 35% a year	Read Review
92	SMFG India Credit SMFG India Credit Company Limited	2.6	₹10L	12.50% – 30.00% p.a.	Read Review