Lending Tech & Buy Now Pay Later
Dive into the rapidly evolving landscape of lending technology and Buy Now Pay Later (BNPL). Discover how digital lending, P2P platforms, and innovative lending apps are reshaping access to credit in
31 articles- 5 things to check before using a BNPL service A 5-point checklist to run before using any Buy Now Pay Later service in India: lender check, true cost, credit impact, cash flow... 5 min read
- BNPL for students: Managing short-term credit BNPL is an easy way to split small buys, but for students it can quietly become real debt. One account, a 15 percent income cap, a... 5 min read
- How many BNPL accounts can I have? Technically, there is no official limit on how many Buy Now Pay Later (BNPL) accounts you can have in India. However, for your fin... 5 min read
- Can BNPL improve your credit score? Using Buy Now Pay Later (BNPL) in India can improve your credit score, but only if the provider reports to credit bureaus and you... 5 min read
- Digital Lending vs. Traditional Lending — Which is Better for You? Digital lending offers speed and convenience for smaller, urgent needs, including options like Buy Now Pay Later. Traditional lend... 5 min read
- How much do I need to borrow from a lending app? Your total monthly loan payments should not exceed 30% of your take-home pay. This includes everything from existing EMIs to new b... 5 min read
- Digital Lending for Young Professionals Starting Their Careers Buy Now Pay Later in India offers a way to purchase items and pay for them later, often in interest-free installments. For young p... 5 min read
- Digital Loans vs. Personal Loans — What's the Difference? Digital loans approve fast and suit small short-term needs while personal loans cost less and fit larger planned expenses. The rig... 5 min read
- How much interest do lending apps charge? Buy Now Pay Later (BNPL) services in India can charge interest rates ranging from 0% up to 36% per year, or even higher. While the... 5 min read
- P2P Lending for Retirees P2P lending for retirees involves lending your money directly to individuals through an online platform to earn interest. While it... 5 min read
- What is the difference between P2P and P2B lending? P2P lending puts your money into loans for individuals, while P2B lending funds small and medium businesses. P2B usually offers hi... 5 min read
- P2P Lending for Freelancers P2P lending for freelancers offers a flexible way to get loans without the strict rules of traditional banks. These online platfor... 5 min read
- Best P2P Lending Strategies for Passive Income The best P2P lending strategy for passive income is the Conservative 'Slow and Steady' approach, which prioritizes capital protect... 5 min read
- P2P Lending Platform Failure: What to Do If a P2P lending platform fails, immediately gather all your investment documents and try to connect with other affected investors... 5 min read
- Is Buy Now Pay Later Affecting Your Credit Score? Buy Now Pay Later does affect your credit score once the provider reports to bureaus. Missed payments hit your CIBIL like a credit... 5 min read
- How Many BNPL Loans Can I Take at Once? There is no legal limit on the number of Buy Now Pay Later (BNPL) loans you can take at once in India. However, your practical lim... 5 min read
- What is BNPL and is it Safe? Buy Now Pay Later India is a short term credit option that splits a purchase into instalments, usually interest free if paid on ti... 5 min read
- What are the rules for Buy Now Pay Later in India? The rules for Buy Now Pay Later in India are governed by the Reserve Bank of India (RBI). This means all BNPL loans must originate... 5 min read
- Digital Loans for Salaried Individuals Digital loans offer salaried individuals quick access to cash through apps, with minimal paperwork. Buy Now Pay Later (BNPL) in In... 5 min read
- 9 Signs of a Risky Digital Lending App Risky digital lending apps share a small set of clear warning signs. The biggest are hidden lender names, daily framed interest ra... 5 min read
- How Much Does AI Cost for Lending Businesses? AI costs for lending businesses including Buy Now Pay Later India operators range from 1.5 lakh rupees a month for small NBFCs to... 5 min read
- Best AI Tools for Loan Processing Automation The best AI tool for loan processing automation is CrediMind AI, thanks to its superior accuracy in document verification and frau... 5 min read
- How AI is Speeding Up the Digital Loan Process AI speeds up the digital loan process by using automated systems for instant KYC, advanced credit scoring, and fraud detection. Th... 5 min read
- AI for Borrowers: 6 Things to Know Before Applying When applying for Buy Now Pay Later in India, know that AI lenders analyze more than just your CIBIL score. They scrutinize your d... 5 min read
- The Impact of AI on Lending Regulation AI is making lending faster and more accessible, but it's also creating new challenges for regulators. They are now focused on cre... 5 min read
- AI vs. Human Judgment in Lending: A Comparison AI lending is not just faster human judgment -- it is a different system entirely, using thousands of data signals to make decisio... 5 min read
- How to Choose a Digital Lending App Safely Choosing a digital lending app requires careful checks. Verify the app is partnered with an RBI-approved NBFC and always read the... 5 min read
- Is BNPL Regulated in India? Buy Now Pay Later in India is fully regulated by the Reserve Bank of India under its 2022 Digital Lending Guidelines. Every disbur... 5 min read
- BNPL vs EMI Cards — Which Offers Better Flexibility? Buy Now Pay Later (BNPL) offers more flexibility for quick, small purchases with instant approval and minimal documentation. Howev... 5 min read
- How to Deal with Overdue BNPL Payments A missed Buy Now Pay Later (BNPL) payment can be stressful, leading to late fees and a lower credit score. To handle it, you must... 5 min read
- How to Improve Your Chances with Digital Lending Apps To improve your chances with digital lending apps, focus on maintaining a healthy credit score and ensuring your KYC documents are... 5 min read