BIG
DREAMS.
SMALL EMI.
Walk in. Walk out with the phone. Pay in easy monthly installments — minimal documentation, instant approval.
Apna Score
Samsung S24
Approved
₹35,000
pre-approved limit
Decision
5 Min
real-time approval
Pickup
Same Day
walk in, walk out
How It Works
Three steps.
That's the whole process.
01
Retailer signs up.
GST, PAN, Aadhaar. Activated within hours, not days.
02
Customer walks in.
Picks any phone. Aadhaar + PAN — that's all.
03
Approval in 5 minutes.
NBFC decisions in real time. Walk out with the phone.
For Retailers
Sell more.
Earn more.
Join the Credit Speed retailer network. Customers get EMI. You get commissions.
Get Started in 3 Steps
Submit Documents
GST, cancelled cheque, bank statement
Verify Identity
Aadhaar & PAN — fully digital
Start Financing
Get Merchant ID, start offering EMI
30–40% more sales
Customers who couldn't pay upfront now buy on EMI.
Live dashboard
Track loans, commissions, approvals — one panel.
Same-day activation
Submit in the morning, sell EMI by afternoon.
All brands
Samsung, iPhone, Vivo, Oppo, Realme, Xiaomi, OnePlus.
Marketing kit
Posters, standees, digital assets — branded for you.
Earn on every sale
Competitive commissions. Sell more, earn more.
For Customers
Your phone.
Easy EMIs.
No credit card. No paperwork. Walk into a Credit Speed partner store and take your phone home today.
Minimal documentation
Just Aadhaar and PAN. That's all.
5-minute approval
Real-time credit decisions. No waiting.
Build Apna Score
On-time payments unlock higher limits.
Upgrade anytime
Pre-approved limit for your next phone.
EMI Calculator
LiveSee how affordable your next phone can be
Choose Tenure
Apna Score
Next milestone: 8 on-time payments
Unlock ₹25,000 pre-approved limit
Build Credit. Unlock More.
Introducing
Apna Score.
Every on-time EMI builds your credit profile. Higher score, higher limits, faster approvals.
Pay EMIs on time
Each payment grows your score.
Watch your score grow
Hit milestones, unlock limits.
Upgrade seamlessly
Pre-approved — zero documents next time.
Our Presence
Across
Uttar Pradesh.
Starting with key cities. Expanding rapidly.
Lucknow
Active
Kanpur
Active
Varanasi
Active
Agra
Coming Soon
Meerut
Coming Soon
Allahabad
Coming Soon
Gorakhpur
Coming Soon
Bareilly
Coming Soon
Our Trusted Partners
Built on strong
partnerships.
The financial foundation that powers every Credit Speed EMI loan and merchant onboarding.
NBFC Partner
Transwarranty Finance Ltd.
Transwarranty Finance Ltd. is our RBI-registered NBFC partner — Reg No. B-13.00971, listed on NSE & BSE since 2007. They power every Credit Speed EMI loan with capital, regulatory cover, and 30+ years of financial-services expertise.
“Empowering seamless EMI lending through trusted financial partnerships.”
Digital Loan Platform
Oroboro
Oroboro is the embedded-finance platform owned and operated by Transwarranty. It powers Credit Speed's real-time loan processing, paperless KYC, instant credit decisioning, and the merchant + customer dashboards.
“Integrating fintech innovation for instant approvals.”