OffersATM Cred DetailsApply
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ATM Cred

Partner Site

Fintech Lender

📋 RBI Reg. NBFC

ATM Cred is a digital lending app developed by Vexil Infotech, with loans issued by RBI-registered NBFC Swastik Finance Limited.

18%–36%
Interest Rate
per annum
₹10.0L
Max Loan
available
Minutes (fully digital e-sign)
Disbursal
after approval
0-5% of loan amount
Processing Fee
of loan amt
61% approval rate · Rahul from Bangalore applied 6 min ago
4.2 (2,847 reviews)

ATM Cred

18% p.a.·EMI ₹27,190/mo
No CIBIL impact · Takes 2 min

⚡ Quick Eligibility Check

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Key Features

Fully online application with digital KYC and e-sign
Flexible tenure from 3 months to 10 years
Personal loans and loan-against-property options
Transparent fee disclosure before application submission

Eligibility Criteria

Age 21-60 years
Salaried or self-employed with valid income source
Min monthly income ₹5,000
Valid KYC documents: Aadhaar, PAN, address proof

CIBIL Impact Estimator

Inquiry type:1 Potential Hard Inquiry (via redirect)

Applying with ATM Cred will trigger a credit pull. Your CIBIL score may dip by 3–7 points temporarily.

Estimated score after inquiry
~750 (current)~743–747 (after inquiry)

✅ Scores typically recover in 3–6 months after first EMI is paid. Multiple applications in 30 days may have cumulative impact.

Protect Your Loan

Optional

Loan Shield covers ₹6.0L in case of job loss, disability, or critical illness. Your family stays protected.

Job loss cover for 6 EMIsCritical illness protectionDisability waiverNo medical check-up

Ready to apply?

100% free · No hidden charges · No CIBIL impact

Proceed to ATM Cred
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ATM Cred

Fintech Lender

18%

from p.a.

Your Monthly EMI

27,190

for ₹5L over 24 months

₹1,52,563

Total Interest

0-5% of loan amount

Processing Fee

Minutes (fully digital e-sign)

Disbursal

61%

Approval Rate

🔥Rahul from Bangalore applied 6 min ago
Proceed to ATM Cred
No impact on your CIBIL score
256-bit SSL · Data never shared
RBI registered lender

EMI Breakdown

Loan Amount₹5.0L
Tenure24 months
Interest Rate (avg)27.0% p.a.
Principal
₹5,00,000
Total Interest
₹1,52,563
Total Payable6,52,563
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