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Home  /  How It Works

From application to your account

A guided, fully online journey. No branch visits, no paperwork — just a few simple steps and a transparent decision.

2 minApplication time
InstantEligibility decision
24–48hTo disbursal
100%Digital process
1

Apply online in minutes

Tell us how much you need and for how long, then share basic personal and income details. The whole form takes about two minutes on any device.

2

Instant digital verification

Complete paperless KYC with PAN and Aadhaar. Our partner NBFC runs a quick eligibility and affordability check — usually with an instant decision.

3

Review & accept your offer

See your exact interest, APR and total repayment in a clear Key Fact Statement. Like what you see? E-sign the agreement securely.

4

Money in your bank

The partner NBFC disburses funds directly to your verified bank account — typically within 24–48 hours. Repay easily via UPI, net-banking or auto-debit.

Eligibility

Who can apply

Final eligibility is determined by the partner NBFC's credit policy.

Indian citizen, aged 21–58
Salaried with net monthly income ≥ ₹40,000
Valid PAN & Aadhaar for KYC
An active bank account in your name
What you'll need

Documents — all digital

PAN cardFor identity & credit check
AadhaarFor paperless e-KYC
Bank detailsFor salary check & disbursal
Start your application

It only takes two minutes

Check your eligibility now — free, with no impact on your credit score.

Apply NowCalculate repayment
NAVIXLending Platform

A premium digital lending platform connecting borrowers with RBI-registered NBFC partners for fast, fully-online, fairly-priced personal loans.

NAVIX Technologies Private Limited
A digital lending platform — not a lender.
CIN: U65999KA2026PTC000000

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WeWork Prestige Atlanta, 80 Feet Road,
Koramangala 1A Block, Bengaluru – 560034
+91 80 4718 2200
support@navix.finance
Disclaimer: NAVIX (NAVIX Technologies Private Limited) is a digital lending platform, not a lender. All loans are sanctioned and disbursed by our RBI-registered NBFC lending partners, who remain the lender of record. Loan approval is subject to the partner's credit policy and eligibility assessment. NAVIX does not charge any advance fee for loan processing. Representative APR and all charges are disclosed in the Key Fact Statement before you accept any offer. Please borrow responsibly.
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