VRopay is a fintech platform that provides quick and accessible loans to individuals and businesses in underserved segments. We also help you streamline collections with our innovative "GET MY MONEY BACK" feature.

We offer loans to:

• Small business owners (MSMEs, SMEs, retailers) for working capital and business needs.
• Salaried professionals for personal expenses.
• Students and young adults looking to start their financial credit journey.

Applying for a loan with VRopay is simple:

1. Register on our platform and complete your digital KYC.
2. Select the required details about your loan needs.
3. Get a credit assessment and loan offer via app or callback after approval.

It’s an e-mandate-based auto-debit service that helps individuals and businesses recover money seamlessly from customers, friends, or family.

• For businesses: Automate credit sale collections.
• For individuals: Ensure repayment when lending money to friends or family.

Your security is our priority. We use encrypted technology, follow RBI & MCA guidelines, and partner with trusted banking and financial entities to keep your sensitive data safe.

We use advanced encryption and adhere to strict data privacy laws to ensure your information remains secure.

Our support team is available via email, WhatsApp, and phone to resolve technical issues quickly.

Yes, our platform is mobile-friendly.

If your application is rejected, we’ll provide guidance on how to improve your creditworthiness. You can reapply once you meet the requirements.

No, all fees (processing fee, interest, etc.) are transparently communicated during the application process.

Both Aadhaar and PAN are mandatory as per government regulations for identity and income verification.

• Small business owners: Up to ₹1.5 lakh.
• Salaried professionals: Up to ₹1.5 lakh.
• Students and young adults: Up to ₹50,000.

Our interest rates range between 20-22% annually, depending on your credit profile and loan tenure.

Our AI-powered system ensures fast approvals, and funds are usually disbursed within 1 hour after approval.

No! We welcome applicants with little to no credit history, especially students and young professionals, by leveraging AI-powered credit scoring and alternate data.

• PAN card
• Aadhaar card
• Bank statements (last 6 months)
• Income proofs (for salaried professionals and businesses)

Yes, you can! Your eligibility will depend on your repayment history and current financial standing.

Our loans are flexible:

• Salaried professionals: Use them for personal expenses like travel, education, or emergencies.
• Businesses: Use them for working capital, inventory, or operational needs.

You can apply for a top-up loan after demonstrating a good repayment track record.

Once you set up an e-mandate, the repayment amount is automatically debited from the borrower’s bank account on the agreed date and transferred to your account.

• Up to ₹25,000: ₹200
• ₹25,001 to ₹50,000: ₹300
• Above ₹50,000: ₹500

Yes, you can! It’s perfect for securing repayments from friends or family when helping with money.

Absolutely! Businesses can use it to automate collections from customers, reducing manual follow-ups.

You can set up an e-mandate directly on our platform by entering the borrower’s details, the repayment amount, and the schedule. The process is quick and secure.

Yes, you can track all repayment activities, including pending and completed payments, in your VRopay dashboard.

Yes, businesses can set up recurring mandates for regular payments from customers.

You can repay via UPI or by entering your card details (debit and credit). We’ll also send you reminders in advance to ensure a smooth and stress-free auto debit repayment experience.

Yes, you can prepay your loan at any time, either partially or fully with no foreclosure charges:

• Full Preclosure: Repay the entire outstanding amount to close your loan and get NOC.
• Partial Preclosure: Pay a portion of the outstanding loan to reduce the balance. A new loan will be generated for the remaining amount, along with the complete process, applicable fees, and a new invoice.

We strongly recommend making payments on time to maintain a good credit score. If you miss an EMI:

• Late Payment Charges: Applicable as per your loan terms.
• Credit Score Impact: Delays in repayment may negatively affect your credit score, making it harder to access loans in the future.

Yes, VRopay impacts your credit score in the following ways:

• Timely Repayments: Improve your credit score, helping you access better financial products in the future.
• Missed Payments: May negatively affect your score, so it’s essential to stay consistent with repayments.

When you prepay your loan:

• Old mandates are automatically canceled upon loan closure or adjustment.
• If a new loan is generated after partial prepayment, a fresh mandate will be set up for the revised loan amount.

Yes, you can have multiple active loans provided you meet the eligibility criteria and have a good repayment history.

We offer a short grace period for missed payments. However, late fees may apply if the EMI is not cleared within the grace period. Contact our support team for assistance in such cases.

Businesses can use VRopay for:

• Quick access to working capital loans.
• Automated payment collections with our "GET MY MONEY BACK" feature.
• Streamlined cash flow management with recurring e-mandates.

Yes, making timely repayments through VRopay helps build and improve your credit score, enabling access to better financial products in the future.

If an auto-debit for an EMI fails:

• You will be notified immediately to make the payment manually.
• Late fees or penalties may apply as per the loan agreement.
• Repeated failures can negatively impact your credit score.

You can reach out to us via:

• Email: [email protected]
• WhatsApp: +91-8290815179
• Phone: +91-8290815179