Why Choose ATM Cred?

✔ Loan Against Property (LAP) – Unlock the value of your property to meet larger financial needs at attractive interest rates.

✔ Instant Personal Loans – Apply in minutes and get funds credited directly to your bank account.
Business & Group Loans – Meet your business or personal needs with quick and easy financing.


Loan Features :
✔ 100% Digital Process – From application to disbursement, everything is done online—no branch visits, no lengthy paperwork.
✔ Secure & Compliant – Powered by Swastik Finance Limited, a registered NBFC under RBI guidelines, ensuring safe and transparent lending.
✔ Flexible Tenure & EMI Options – Choose repayment plans that match your income and cash flow.

Loan Products We Offer

🔹 Personal Loans – Get funds up to ₹1,00,000 with minimal documentation.
🔹 Loan Against Property (LAP) – Avail high-value loans by pledging your residential or commercial property.
🔹 Loan amount: ₹5,000 to ₹10,00,000

Loan Tenure: Minimum 90 days (3 months) to Maximum 120 months.
Annual Percentage Rate (APR): Minimum 18% to Maximum 36% per annum.
Processing Fee: 0% to 5% depending on customer’s profile and loan type.
We do NOT offer loans with a tenure below 60 days.
All loans are provided by Swastik Finance Limited, a registered NBFC
(RBI Registration No.: B-14.03291).
The exact loan amount, APR, tenure, and all applicable charges are clearly
displayed to the user before the loan application is submitted.


✅ Mandatory Google Play Compliance Statement
ATM Cred does NOT offer loans with repayment periods under 60 days.
All loans have a minimum tenure of 3 months (90 days) or more.

How It Works

Download & Register – Sign up using your mobile number.
Complete KYC – Upload Aadhaar, PAN, and basic income details.
Choose Loan Type – Personal Loan or Loan Against Property.
Get Offers – Check your eligibility and view loan options instantly.
Approve & E-sign – Select your loan, sign digitally, and get funds disbursed.
Example Calculation

If you take a personal loan of ₹1,00,000 for 12 months at 18% p.a.,

Interest = ₹18,000
Total Repayment = ₹1,18,000 (excluding processing fee)
This is just an example. Actual interest rates depend on your profile and NBFC policies.
Transparency You Can Trust

✅ No hidden charges
✅ RBI & NBFC-compliant lending process
✅ Clear loan terms before disbursement
✅ Dedicated customer support

Who Can Apply?

Indian citizens aged 21–60 years
Salaried or self-employed with a valid income source
Must have valid KYC documents (Aadhaar, PAN, Address Proof)
Minimum monthly income: ₹5,000
Customer Support

📧 Email: [email protected]
📞 Phone: 18008897071, 18008892006



At ATM Cred, we aim to make credit fast, secure, and accessible for every individual. Whether it’s a quick personal loan or a loan against property, our platform ensures you get the right financial support when you need it.

Download now and experience the future of digital lending!