Step 1
Apply online
Fill in the five-minute form with your details and the amount you need. No app, no account, no branch visit.
The process
How it works
Three easy steps from application to money in your bank account.
Three easy steps
Getting your loan is simple
Apply online, share your documents on WhatsApp and receive the money in your bank account. A real person handles it from start to finish.
- 1
Step 2
Share your documents
Our team calls you and collects your documents on WhatsApp or email. Most applications are decided within one working day.
2Step 3
Get money in your bank
Your loan amount, interest, fee and repayment date are confirmed in writing, then the amount is transferred straight to your bank account.
3
Keep these handy
What you'll need
Our team collects these over WhatsApp or email after you apply.
- PAN card
- Aadhaar card or passport
- Latest three months' salary slips
- Latest six months' bank statement showing salary credits
- Current address proof
- Security cheques
Before you apply
Indicative terms
- Loan amount
- ₹5,000 to ₹1,00,000
- Tenure
- 7 to 90 days, repaid in one payment on the agreed date
- Interest
- Charged per day at the rate stated in your approval message
- Processing fee
- Stated upfront in your approval message
- Late payment
- A daily penalty applies on the unpaid amount after the repayment date
Final terms are set on approval and shared with you in writing before any money is transferred. MK Finance decides each application on its merits.
Before disbursal
What your approval message contains
Every approved loan is confirmed in writing before any money is transferred. This is what the message states, line by line.
MK Finance
Sample message
Dear Sample applicant,
Congratulations! Your loan application has been approved. Please find the details below for your reference:
- Date of disbursement12 Oct 2026
- Loan amount₹25,000
- Loan tenure30 days
- Processing fee₹500
- Interest rateSet on approval
- Repayment date11 Nov 2026
- Repayment amountSet on approval
For any queries or further assistance, feel free to reply to this message.
Warm Regards,MK Finance
Sample values for illustration. Your own figures are stated in your message.
- 1
Date of disbursement
The day the money is sent to your bank account.
- 2
Loan amount
The amount approved, between ₹5,000 and ₹1,00,000.
- 3
Loan tenure
Between 7 and 90 days.
- 4
Processing fee
Stated upfront, before you accept.
- 5
Interest rate
A rate per day on the loan amount, stated before you accept.
- 6
Repayment date
One payment on or before this date.
- 7
Repayment amount
Loan amount plus interest for the full tenure. Repay early and you pay interest only for the days elapsed.
Good to know
On time, early or late
Interest is charged per day, so the day you pay decides what you owe.
On the repayment date
Pay the repayment amount stated in your approval message to our account, then send us the proof of payment.
Earlier than planned
You pay interest only for the days since disbursal, not for the full tenure. Call us for the exact amount on the day you want to pay.
After the date
A daily penalty applies on the unpaid amount from the day after the repayment date, at the rate stated in your approval message.
Get started
Start with the five-minute form
Our team will contact you shortly after you submit.