Question 1

What is Kredixa?

Accepted Answer

Kredixa is India's #1 location-based peer-to-peer lending platform that connects money lenders with borrowers. Find private money lenders near you in Hyderabad, Secunderabad, Mumbai, Delhi, Bangalore & all Indian cities through smart location matching.

Question 2

How does P2P lending work on Kredixa?

Accepted Answer

Sign up with your phone number, then browse nearby money lenders or post a loan request. Connect with matched users via in-app chat, negotiate terms, and track your personal loan from funding to completion.

Question 3

Is Kredixa safe to use?

Accepted Answer

Yes, Kredixa uses phone-number verification for all users along with 256-bit encryption, JWT-based authentication, and secure AWS storage. All in-app communication and loan transactions are protected end-to-end.

Question 4

How do I sign up for Kredixa?

Accepted Answer

Just download the Kredixa app and verify your phone number with a one-time SMS code. No paperwork, no documents — you can be ready to borrow money or lend money in minutes.

Question 5

Can I be both a lender and borrower on Kredixa?

Accepted Answer

Yes, Kredixa supports dual roles. You can register as a lender, borrower, or both on the platform.

Question 6

How do I find money lenders near me?

Accepted Answer

Kredixa uses location-based matching to show you private money lenders in your area. Search by proximity, loan amount, interest rate, and other filters to find the right lender near you in Hyderabad, Secunderabad, or any city across India.

Question 7

What are the interest rates on Kredixa?

Accepted Answer

Interest rates on Kredixa are determined between lenders and borrowers through direct negotiation. There are no fixed rates, allowing both parties to agree on mutually beneficial terms.

Question 8

How does Kredixa ensure borrower safety?

Accepted Answer

Kredixa protects borrowers through phone-number verification of all users, end-to-end encryption for communications, secure AWS storage, and loan agreement tracking. All personal loan transactions are documented within the app.

Question 9

What happens if a borrower defaults on a loan?

Accepted Answer

Kredixa provides loan tracking features to monitor repayments. For disputes or defaults, users can contact our support team at support@kredixa.in. Loan agreements entered on the platform are binding between parties.

Question 10

How long does it take to get a loan on Kredixa?

Accepted Answer

Loan processing time depends on lender approval and fund transfer. Once a lender accepts your request, funds are typically transferred within 1-3 business days, depending on the bank.

Question 11

Is Kredixa available in my city?

Accepted Answer

Kredixa is available across India. The platform uses GPS-based location matching to connect you with money lenders and borrowers within your area. Download the app and enable location access to see available opportunities.

Question 12

Can I delete my Kredixa account?

Accepted Answer

Yes, you can request account deletion from your profile settings or visit kredixa.in/delete-account. Your account and all associated data will be permanently deleted within 3-4 business days, provided there are no active loans.

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