Finance at the Speed of Life

NoxCred

NoxCred gives you a revolving credit line that stays ready whenever you are. Whether you need funds for an unexpected bill today or a planned purchase next week, your approved limit is always within reach — no delays, no friction.

One quick profile setup is all it takes. Once your limit is confirmed, draw any amount you need, repay at your own pace within the agreed term, and your balance resets the moment payment lands. No paperwork, no queues, no callbacks.

Unlock Your Credit Line
0.065%
Daily Rate
365 Days
Max Tenure
NoxCred App

Why NoxCred

Five Things You Will Actually Notice

01

Real-Time Account Dashboard

Your available limit, active draws, and upcoming repayment dates all update live on a single uncluttered screen. No digging through menus, no guesswork about where you stand.

02

Draw Only What You Need

Your full limit stays in reserve. Choose the precise amount this moment calls for, confirm in a few taps, and leave the rest untouched — available whenever you next need it.

03

Zero Hidden Costs

Before any draw is processed, NoxCred shows the complete picture — principal, daily interest, and total payable. What you see before you tap is exactly what you owe. No surprises.

04

No Charge for Standing By

An idle NoxCred limit costs you nothing. Interest begins the instant you draw and stops the moment you repay in full. Holding unused credit is completely free — always.

05

Bank-Grade Security, Always On

End-to-end encryption, role-based access controls, routine independent audits, and 24/7 automated threat monitoring protect your account whether you are actively using it or not.

The Numbers

Everything Disclosed Upfront

₹10K – ₹50K
Available Credit Range
365 days
Maximum Draw Duration
0.065%
Daily Rate on Outstanding Balance
23.73%
Effective Annual Rate
Repay your outstanding balance on any day and your full limit resets immediately — no waiting period, no reapplication, no phone call required. From the moment your payment is confirmed, your credit is available again and ready to use.

Plain Maths

What Your Interest Actually Looks Like

Work through the example below to see exactly how daily interest builds over a 100-day draw — and how straightforward it is to keep your total cost under control.

₹10,000
Draw Amount
×
0.065%
Daily Rate
×
100
Days Active
=
₹650
Interest
Total Repayment Amount ₹10,650

Interest builds by one day's charge for every calendar day the balance remains outstanding. Drawing less, repaying sooner, or making partial payments all reduce the total you owe.

Ready to Apply

Three Things to Confirm

NoxCred keeps the bar clear and fair. Confirm all three and you are ready to get started.

Be 18 or Older

NoxCred accounts are open to adults only. You must be at least 18 years old at the time of registration to be eligible.

Hold a Valid Identity Document

A current government-issued document — Aadhaar, PAN, Passport, or an accepted equivalent — is required to verify your identity before your account goes live.

Pass Our Review

Every application goes through a consistent, impartial internal assessment. Most reviews are completed quickly and without any additional steps required from you.

We're Here When You Need Us

Whether you have a question about a draw, need help with repayment, or simply want to understand how your account works — our team reads every message and replies personally.

Get in Touch
Send us a message any time. We aim to get back to you within one working day and are glad to help with any aspect of your NoxCred account.