A short online path
Start on Kivo Credit in a few minutes. Verification follows, then an offer only if you qualify.
flowcapital
Credit that stays understandable.
We lend through Kivo Credit. Personal loans and salary advances for people who want the cost, the tenure, and the repayment written down first.
The product
Kivo Credit
Applications, eligibility, and repayment live on Kivo Credit. flowcapital is the company behind it.
Why people start with flowcapital
Financial support should be simple to follow and honest about cost. Kivo Credit is how we deliver that: one digital product, with the lender’s decision kept separate from the marketing page.
About the companyPlain dealing
Interest, fees, and what you owe are meant to be visible in the Key Fact Statement, not buried later.
Loans sized to the need
A personal loan for a larger plan, or a salary advance when you need a smaller, shorter amount.
People when you need them
Questions about an application or a repayment can be raised with the team that services the product.
Care with your data
Identity and income details are used for the application, kept securely, and handled as the privacy policy describes.
The customer decides
Meeting eligibility lets you apply. It does not force a loan. You read the agreement, then you choose.
What borrowers mention
Stories from the Kivo Credit journey
Meera Iyer
Teacher
I could see the EMI and the due date on Kivo Credit before I agreed. That was the part that mattered.
Arjun Desai
Designer
The salary advance was smaller than a full personal loan, and the repayment date was not a surprise.
Fatima Khan
Analyst
flowcapital pointed me to one product instead of a pile of forms. The checks were clear.
Nikhil Rao
Store supervisor
I was wary of applying online. The steps on Kivo Credit stayed in order, and I knew when a person would review it.
Check if you can apply
These are the usual starting points for Kivo Credit. They let you begin an application. Approval still depends on verification and the lender’s decision.
Apply Now- Age 21 to 58
- Salaried in India
- Income from ₹25,000 a month
- PAN and Aadhaar
- A working bank account
- KYC you can finish online
Talk to us before you borrow
Applications are taken on Kivo Credit. Policies for this company site are here. Read both before you submit anything.
Ready when the numbers make sense.
Open Kivo Credit, check what you would repay, and continue only if the offer is one you want.
Get started