Cashback Terms & Conditions
1. What is the Offer?
As part of this offer, customers/users (“Customer”) need to apply for an eligible unsecured instant personal loan product from Cready’s lending partners—banks or NBFCs—through www.cready.in and/or its mobile app (collectively “Platform”) or via communication sent through Cready-owned channels through the entry points where the offer is explicitly mentioned. Once the Eligible Loan is disbursed by the lender, the Customer will be eligible to claim cashback (“Cashback”) as offered and mentioned in the respective communication, in the form of direct credit to bank account or Cready wallet (“Offer”). The cashback value would be decided based on the final loan amount disbursed –
| Loan Amount Slab (₹) | Cashback/Voucher Amount (₹) |
|---|---|
| 1,00,000 - 4,99,999 | 500 |
| 5,00,000 & above | 1,000 |
2. Offer Period
The Offer is valid from March 28, 2026 (00:00 hours) to April 30, 2026 (23:59 hours). Cready reserves the right to modify, extend, or discontinue the Offer Period at its sole discretion without any prior notice.
3. Eligibility Criteria
- The Offer is open only to residents of India who are existing or new customers of Cready.
- Customer must apply for an Eligible Loan during the Offer Period via the Platform or Cready-owned channels where the Offer is explicitly mentioned.
- The Eligible Loan must be disbursed by the lender during the Offer Period.
- Minimum disbursed loan amount: ₹1,00,000.
- Customer must successfully repay the first EMI of the Eligible Loan to become eligible for Cashback.
4. Cashback Crediting
- Cashback will be credited to the Customer’s registered bank account or Cready wallet within 15 working days from the date of successful repayment of the first EMI.
- Maximum Cashback per Customer: ₹1,000 across all Eligible Loans during the Offer Period.
- Cashback is strictly non-transferable, non-encashable, non-refundable, and cannot be clubbed/combined with any other ongoing offers or promotions on the Platform.
- Cready is not responsible for any delay in crediting due to incorrect bank details provided by the Customer.
5. Exclusions
- Offer not applicable on cancelled, rejected, prepaid, or closed loans before first EMI repayment.
- Not valid for loans applied through third-party channels or non-Cready sources.
- Customers found using multiple accounts, fake details, or indulging in fraudulent activity will be disqualified without notice.
- Offer not applicable on any tax/refund adjustments or disputes on loan disbursement.
6. General Terms & Conditions
- Participation in the Offer is voluntary. By participating, Customers agree to these Terms & Conditions.
- The Offer is subject to Cready’s standard loan approval process, KYC verification, and lending partner norms. Loan approval is at the sole discretion of Cready and/or its lending partners.
- Any taxes (direct or indirect) applicable on the Cashback amount shall be borne solely by the Customer.
- Cready reserves the right to modify, amend, or withdraw the Offer or these Terms & Conditions at any time without prior notice.
- Cready’s decision regarding eligibility, Cashback crediting, and disputes shall be final and binding on all Customers. No correspondence or claims shall be entertained.
- Cready shall not be liable for any loss, damage, or injury arising out of participation in the Offer or failure to credit Cashback due to technical issues, force majeure, or Customer fault.
- In case of any dispute arising out of or in connection with the Offer, the courts at Mumbai shall have exclusive jurisdiction.
7. Disclaimer
Cready does not guarantee loan approval or Cashback. The Offer is promotional and subject to availability. Customers are advised to read all terms carefully before applying.