Terms and Conditions

We will provide services to you through this document and similarly, your obligations towards us are based on this. It is assumed that if you are applying for a loan with us, you have read this agreement and agree to the terms and conditions listed below.

Services offered

We provide you information about the availability of credit and also offer financial assistance for different needs including home loans, medical emergency loans, vehicle loans, education loans, travel loans, consumer durable loans, shopping loans, etc. However, we do not offer advice regarding the financial and legal implications of entering into a credit arrangement or taking a loan.

Fees payable

We provide you loans at a monthly interest of 2% to 3% (APR/interest rate of 24-36%). Apart from this, a processing or brokerage fee of 2% onwards is charged by us on some loans. Other processing charges that may be applied include statement charges, penal charges, EMI bounce charges, etc. However, we disclose all loan interest rates and processing fees upfront.

Refund policy

In case you have applied for a loan and it is not approved, we will refund any processing or brokerage fees charged, to your bank account.

Eligibility criteria for availing of the loan

Since most of the loans offered by us fall under the personal loan category, you need to meet certain eligibility criteria. The basic eligibility rules are:

  • You should be an Indian national aged between 23 and 55 years.

  • You must be employed in any public or private organization.

  • Reproduce, duplicate or copy material from tinyemi.com

  • You must meet your city’s minimum salary requirement.

Loan repayment

The loan amount can be paid as a lump sum or as EMIs, depending on what your loan requirement and your financial conditions. We provide you with the Flexi EMI option wherein you can pay the interest as EMI and later on you can repay the principal amount. We can even lower the EMI if the need arises. However, the terms of repayment, in this case, are different than normal loans.

You can also make part-payment of the loan or foreclose the loan, however, the terms and conditions for this vary and you might have to pay some additional charges to do so.

In case of any queries or complaints, you can send your feedback to [email protected]