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Why You Need P2P Lending Services

Get a Personal Loan Fast
Get a Personal Loan Fast
Not everyone has the time or paperwork for bank loans. With Finkeda, you can borrow directly from individual lenders through a verified platform. It is fast, fair, and fully transparent.
Earn More on Your Savings
Earn More on Your Savings
Money sitting idle in savings accounts often earns very little. By lending through Finkeda, you can earn higher returns with complete control over who you lend to and for how long.
Why You Need P2P Lending Services
Avoid Hidden Charges or Middlemen
Avoid Hidden Charges or Middlemen
Finkeda connects you directly to lenders or borrowers. No agent fees, no processing surprises. Every charge and return is clearly mentioned before you proceed.
Choose Terms That Work for You
Choose Terms That Work for You
Whether you want to lend or borrow the money, Finkeda lets you choose the amount, interest rate, and repayment period. You stay in control of your finances with options aligned to your goals.
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Why Choose Finkeda

Fully Digital and Hassle-Free
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Fully Digital and Hassle-Free
No queues, no documentation. From onboarding to lending or borrowing, everything happens online through a clean, secure platform that works even on basic smartphones.
Safe and RBI-Compliant System
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Safe and RBI-Compliant System
Finkeda follows RBI guidelines for P2P lending. Your personal and financial data is encrypted, and all transactions are protected with bank-grade security protocols.
Verified Borrowers and Risk Grades
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Verified Borrowers and Risk Grades
As an investor, you only see credit-assessed borrower profiles. You can view their repayment history and select who to lend to based on risk and return preferences.
Clear Earnings with Regular Returns
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Clear Earnings with Regular Returns
Lenders receive repayments in predictable monthly installments. Track your earnings in real time, reinvest or withdraw as needed, and grow your returns over time.
Flexible Loans for Real Needs
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Flexible Loans for Real Needs
Borrowers can apply for small or large amounts, for emergencies, school fees, home repairs, or anything else. You don’t need a perfect credit score, just a real need and valid documents.
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Get Started in 3 Easy Steps

Start lending or borrowing from your phone in minutes.
Step 1
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Download the Finkeda Prime App
Go to the Play Store or App Store and search for "Finkeda Prime". Install the app and register with your mobile number. Set up your account with basic KYC and choose to lend or borrow.
Step 2
2
Create or Review Listings
If you are borrowing, fill out a short application with the amount, purpose, and term. If you are lending, browse verified borrower listings with credit grades and return estimates. Choose a listing or wait for your request to match automatically.
Step 3
3
Start Earning or Receiving Funds
Once matched, complete your transaction securely inside the app. Borrowers receive funds directly into their bank account. Lenders receive repayments monthly, along with interest.
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Key Features & Benefits

Dual Platform
Dual Platform
Lend or borrow money, all in one place. Whether you want to grow your savings or meet urgent needs, Finkeda supports both goals with equal ease.
Instant Matching
Instant Matching
Our algorithm matches borrowers with suitable lenders quickly. No delays or manual searches. Just smart, fast financial connections.
Transparent Deal Terms
Transparent Deal Terms
Before you say yes, we show all terms clearly, including all interest rates, repayment dates, and total costs or earnings. No small print, no surprises.
Track Everything Live
Track Everything Live
Get real-time updates on loan status, EMI schedules, and earnings. Your dashboard keeps you informed and in control at all times.
Human Help When Needed
Human Help When Needed
If you have a question, our support team is available by phone or chat. You’ll talk to real people who understand what’s at stake and want to help.
Built for Everyone
Built for Everyone
Even if you are salaried, self-employed, in a metro or a village, Finkeda makes lending and borrowing possible without complicated apps or high-end devices.
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Frequently
Asked Questions

How do merchants benefit by partnering with Finkeda?

By converting stores into online banking hubs, merchants generate more revenue, increase foot traffic, and offer essential services, which include, but are not restricted to, bill pay, cash withdrawal, and recharges.

Can I use Finkeda’s platform to make utility bill payments?

Finkeda offers the best financial services, which not only encourage accessibility but also convenience. You can pay your gas, water and electricity bills by using utility payment services.

Is using Finkeda’s digital banking services secure?

Yes, Finkeda’s platform adheres to stringent security guidelines to provide secure, easy access to reliable financial services across India.

Do I get commissions for providing financial services?

Indeed! You earn from every transaction, including bill payments and recharges, while benefitting your rural community with Finkeda’s banking services.

What is AePS, and how does it benefit me?

With AePS, you can provide micro statements, balance checks, and withdrawals. It helps us bring rural financial services closer to users without requiring them to visit a bank.

Will I be able to access Finkeda’s banking services on holidays?

Yes, customers can access cash even on vacation, thanks to AePS and Micro ATM, ensuring that digital banking solutions are truly accessible at any time and from any location.

When will I receive my commission?

Depending on the service, commissions from Finkeda’s reliable and rural financial services are disbursed either immediately or daily. You can keep tabs on everything from your agent dashboard.

What happens if an AePS transaction doesn’t work?

A failed AePS transaction often reverses itself within 72 hours if the amount has been debited from the customer’s account. During this time, you can avail our assistance at all times.

What services are included in Micro ATMs?

mATM offers all banking services, including cash withdrawals, mini statement printouts, and balance enquiries. Finkeda’s merchant partner streamlines your financial activities with convenience.

How can I offer Finkeda financial services at my store?

You must sign up as a merchant with Finkeda to offer rural financial services in your village. These digital banking services include AePS, utility bill payments, Micro ATM, insurance and more.