01
Your balance, in real time
No statement to wait for. Every payment updates your outstanding the moment it lands — you always know exactly where you stand.
A new way to borrow · 2026
The Daily Ladder.30 days. 30 rungs.
A new way to borrow in India: pay a little every day and watch your balance fall in real time. Over-pay on any day — your tenure shortens, with zero penalty.
You pay
A little, daily
You can
Finish early
D1
D2
D3
D4
D5
D6
D7
Each rung = one daily payment. Over-pay days widen the bar. Scroll for the full 30-day model.
The model · full 30 days
Climb the ladder, day by day.
Each rung is a single day. The wider the bar, the more you paid that day. Hover any rung to see how far along you are — over-pay any day, and you shorten the journey.
Tenure
30 days
Rungs
30 rungs
You pay
A little, daily
Over-pay to
Finish early
Pay the daily amount · finish in 30 daysOver-pay on good days · finish ahead of schedule
Why this is innovation
Three shifts that change everything.
02
Pay to your own rhythm
Pay the daily amount on tight days, a little more on good ones. Every extra rupee goes straight to your balance.
03
Reducing balance · zero penalty
Overpay any day and your tenure shortens. Interest only on what you still owe. No prepayment fees.
Pay the floor only
30 days
Over-pay sometimes
~19 days
The shift
Bullet loan vs Daily Ladder
Same ₹50,000. Same 30 days. Two completely different experiences.
Industry standard · Bullet loan
- CadenceOne lump sum at the end
- InterestCharged on full principal
- PrepaymentPenalty applies
- TenureFixed term
- VisibilityOne bullet payment
Quikkred
Daily Ladder
- CadenceA little, every day
- InterestReducing balance · only on outstanding
- PrepaymentZero penalty · tenure shortens
- TenureFinish early when you over-pay
- VisibilityEvery paise visible, every day
One loan · the full story
From apply to early-close. In 22 days.
What a daily-ladder loan actually feels like, from the tap to apply to closing early.
- Day 010:42 IST
Apply in 3 minutes
Phone, PAN and Aadhaar e-KYC. A quick credit check and account-aggregator consent confirm your eligibility.
- Day 011:18 IST
Approved
Identity verified and your application cleared — all within minutes, no branch visit.
- Day 011:24 IST
Money in your account
Disbursed straight to your bank within seconds. A unique UPI ID and QR are set up for your daily repayments.
- Day 1—
Your first rung
Scan the QR or pay over UPI — confirmed instantly, and your balance updates the moment it lands.
- Day 7—
On track
A week in and your balance is steadily falling. Every payment shows up the second it's made.
- Day 14—
Ahead of plan
Over-paying on a few good days has put you ahead of schedule — your tenure is already shrinking.
- Day 2212:09 IST
Closed early
An extra payment on a good day clears your balance — your loan ends 8 days early, with zero penalty.
Transparent math
Every paise visible. Every day.
No hidden charges, no surprise EMI. What you see is exactly what you pay.
- Loan amount
- Up to ₹50,000
- Tenure
- 30 days
- You pay
- A little, every day
- Interest
- Reducing balance · only on what you owe
- Prepayment
- Zero penalty
- Cadence
- Daily / weekly (salaried)
- Repayment rail
- UPI · QR · UPI Autopay
- Confirmation
- Instant
Compliance + trust
Built on rails, not promises.
- RBI-registered NBFCNon-Banking Financial Company licensed under RBI; lending compliant with Master Direction.
- Your data, protectedDPDP-compliant. Access to your information is consent-based and fully auditable.
- Reducing-balance interestTransparent. Interest charged only on outstanding principal. No flat-rate math sleight.
- Accurate to the paiseEvery payment is tracked and reconciled, so the balance you see is always the balance you owe.
Questions
Everything else.
What if I miss a daily payment?
A short grace window kicks in and we send you a reminder. If payments keep slipping, our team reaches out to help you get back on track. We never auto-debit or block your other services without your consent — you stay in control throughout.
Can I prepay or close early?
Yes — any day, any amount above your daily payment. The extra goes straight to principal, your interest drops accordingly (reducing balance), and your tenure shortens. There is zero prepayment penalty.
How is the interest calculated?
Interest is charged on a reducing-balance basis — only on the principal you still owe. Because that principal drops as you pay, the interest shrinks alongside it. You're never charged interest on money you've already repaid.
Is the daily ladder more expensive than a regular EMI loan?
For the same effective annualized rate, the daily ladder gives you something a monthly EMI can't: you actually save money by over-paying any day. Most ladder borrowers finish in 18–22 days, not 30 — that means your total interest cost is meaningfully lower than an equivalent 30-day bullet or EMI.
How do I make payments?
You get a unique UPI VA and QR for each loan. Pay via any UPI app — GPay, PhonePe, Paytm, BHIM, your bank app — by scanning the QR or sending money to the VA. Auto-debit is opt-in via UPI Autopay; we never auto-deduct without explicit consent.
What's the maximum loan amount?
₹50,000 for first-time borrowers. Repeat borrowers with a clean ladder graduate to ₹1,00,000 and beyond. Eligibility depends on your credit profile, verified income, and how comfortably a new loan fits your finances.
Climb the ladder
Your first rung is 3 minutes away.
Same-day disbursal. Daily ladder. Zero prepayment penalty. Join thousands climbing every day with Quikkred.
RBI-registered NBFC · DPDP-compliant · No paperwork · Same-day disbursal