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Kredo.

Pay on your phone, settle on time.

Get early access
  1. Scan at the stallAt partner campus vendors
  2. Pay from your limitFee and due date upfront
  3. Settle on timeReminders before it's due

Pay at campus. Settle later.

Verified students get a small limit through our lending partner, spend at campus vendors, repay on time, and grow it.

  • Student-verifiedCollege ID check
  • Lending-partner backedRegulated partner

Everything you need to know about your limit, and more.

See what you owe, when it's due and why, in plain numbers. No small print, no surprises.

See where your money goes. Finally!

Every spend, every due date, every charge, on one screen.

My Dues

AS
Search vendors

  • 3d

    DUE IN

    Campus Cafe → due 2 Nov

    Spent ₹650

    Due soon

  • 13d

    DUE IN

    Fresh Fold Laundry → due 12 Nov

    Spent ₹500

    On track

  • ✓

    PAID

    Annapurna Canteen → paid 10 Oct

    Spent ₹90

    Paid

  • ✓

    PAID

    Shree Stationery → paid 8 Oct

    Spent ₹130

    Paid
Next due ₹1,150 · in 3 days

  • Due dates you can't miss. Reminders before every instalment, at a time that suits you.

    My Dues

    AS
    Search vendors

    • 3d

      DUE IN

      Campus Cafe → due 2 Nov

      Spent ₹650

      Due soon

    • 13d

      DUE IN

      Fresh Fold Laundry → due 12 Nov

      Spent ₹500

      On track

    • ✓

      PAID

      Annapurna Canteen → paid 10 Oct

      Spent ₹90

      Paid

    • ✓

      PAID

      Shree Stationery → paid 8 Oct

      Spent ₹130

      Paid

  • Offers with charges up front. Approved amount, interest, fees and total repayable, itemised before you accept.

    Loans

    Your offer

    Campus Starter · 3 months

    • Approved amount₹3,000
    • Interest₹135
    • Processing fee₹30
    • Other charges₹0
    Total repayable₹3,165

    ₹1,045 a month · from our lending partner. Review the key facts before you accept.

  • First to know. Lock-screen reminders the moment something changes, never after.

    Thursday 30 October

    9:41

    • Kredonow

      Repayment due tomorrow

      ₹1,150 · due 2 Nov

    • Kredo2h ago

      Paid ₹120 at Campus Cafe

      Receipt saved

    • KredoYesterday

      Statement ready

      October

  • Clear numbers. Principal, charges and the total on separate lines. Always.

    Activity

    Receipt

    • VendorCampus Cafe
    • Amount₹120
    • Fee₹5
    • Total to repay₹125
    • Repay by30 Nov
    • MethodKredo card ••0042

    Payment matched with lender records

    What happens next

    • TodayCampus Cafe is told you paid
    • In 12 hoursThe lending partner pays the stall
    • 30 NovYou repay the lending partner
    Share receiptPDF

Verify in minutes. Spend the same day your limit is set.

Drop your college ID, we match it with your details, and our lending partner sets your limit.

Start verification

Pocket money? Gone by Thursday.

Mess bills, IOUs, failed UPIs and the group chat asking who owes who. Sound familiar?

Now it all lives in one place.

Kredo keeps every spend, due date and repayment together. No more guessing, no more udhaar spiral.

Chaos level 100%Chaos level: sorted

THIS MONTH

All sorted
  • VerifiedStudent ID matched
  • Limit set₹3,000 from our lending partner
  • Pay at campus12 campus payments
  • Repay on timeNext due 2 Nov
  • Aura growsUp 12 this month

One app for campus credit. Pay, track, repay and grow, without the chaos.

Get early accessSee how it works

Pay at campus that handles itself

Repay without the stress

Know your score and what moves it

A limit that can grow

Always in control of privacy and consent

Your limit

Know your limit. Before you spend a rupee.

Once you are verified, our lending partner sets a small limit. You see it first, in plain numbers.

Limit unlocked

₹3,000

Set by our lending partner. Subject to lender policy.

Spend at campus vendors

Canteen, cafe, xerox, stationery

Repay by the due date

Reminders before every due date

Grow your limit

On-time repayments help

Start using Kredo

More ways it helps

With Kredo you can finally.

Pay at campus, see the cost first, and stay on top of every due date.

Your repayment story

Look back on how you built your score. Every on-time repayment, on one page.

on-time repayments
6
repaid in total
₹4,350
limit, up from ₹1,000
₹5,000
  • VerifiedAug 2026
  • First repaymentSep 2026
  • 3 on time in a rowOct 2026
  • Limit upOct 2026

Internal score, not a credit bureau score. It does not replace your CIBIL or other bureau score.

Credit passport

2026This semesterAll time

6

on-time repayments

₹4,350

total repaid

₹5,000

current limit

82

Aura, Main Character

VerifiedOn timeLimit up
  • Repaid ₹1,150on time+3 Aura
  • Limit up to ₹5,000step 4new
  • Repaid ₹6003 in a row+4 Aura

Internal score, not a bureau score.

Trust and safety

Clear about who does what. Credit offered by our regulated lending partner.

  • Your data, your call

    We ask only for what's needed to verify you and say why at each step. Read the privacy notice before you sign up.

  • We're the app, not the lender

    Kredo is the interface. Credit is offered by our regulated lending partner. Their name and terms are shown before you confirm anything.

  • Something wrong? Tell us

Kredo is an app and is not a bank or lender. Credit, if approved, is provided by the lending partner on their terms.

FAQ

Questions? Sorted.

Have a nice semester!

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We only use your email to tell you about early access. No spam. Joining the waitlist does not guarantee access.