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.
The Daily Ladder
A little each day. Done in thirty days.
One rung a day instead of one lump at the end. Interest runs on what you still owe, so every payment makes the next one cheaper — and paying extra on any day shortens the whole thing.
Scroll to watch a month go by
Every day, the balance falls.
Day of 30
1
Still owed
₹9,746
Paid so far
₹354
Interest so far
₹100
A steady day. A little principal, a little interest.
Keep scrolling — the balance falls as the days pass.
Worked on ₹10,000 over 30 days at 1% per day, reducing balance. Your own figures come on your Key Fact Statement.
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.
The arithmetic
Every rupee is visible. Every day.
The whole product on one card. Interest is charged only on the principal you still owe, so it shrinks as you climb.
- Interest rate
- 1% per day
- Annualised
- 365% per annum
- Loan amount
- Up to ₹50,000
- Tenure
- 30 days
- Interest basis
- Reducing balance — only on what you still owe
- You pay
- A little, every day
- Prepayment
- No penalty, any day
- Repayment rail
- UPI · QR · UPI Autopay
These are the figures on your Key Fact Statement. Short-tenure credit is expensive measured by the year — the Daily Ladder is built so you pay for the days you actually use, and finishing early genuinely costs you less.
An RBI-registered NBFC lends it
The loan is booked by our licensed lending partner, and their name is on every document you sign.
Reducing balance, not flat
Interest is charged on the principal you still owe. As it falls, so does the interest — there is no flat-rate sleight of hand.
Consent-based data access
DPDP-compliant. What we can see, you agreed to, and the trail is auditable.
Reconciled to the paise
Every payment is tracked, so the balance on your screen is 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.
Salary still days away? Money isn't.
₹2,500 – ₹50,000 · decision in 30 seconds · money in 30 minutes. Checking costs nothing and leaves your credit score untouched.