FLYK - Pay kar, befikar

FLYK provides a line of credit with a monthly billing cycle at attractive interest rates and with zero hidden fees & charges.

Moreover, you can easily upgrade your credit services by inviting your financially responsible & trustworthy colleagues to become a part of your FLYK Network and by ensuring that the network members repay their dues on time. Thus, with FLYK, one can also avail credit services in case of insufficient CIBIL (credit risk score) by becoming a part of a pre existing and responsible network. Also, when you timely repay your credit dues, your Network members receive cash vouchers or discount coupons and vice - versa.

KINLDY NOTE :
Your network can only have a maximum of 10 members and this cannot include blood relatives.

FLYK is financially inclusive and anybody above the age of 20, irrespective of vocation, is eligible to apply for its credit services.

FEATURES :
1. Monthly credit limit of upto ₹ 50,000
2. Direct transfer of FLYK Credit limit to bank account
3. Convenient, transparent, rewarding & 100% paperless process
4. Minimal documentation
5. FLYK Credit can be used for in - app payments of utility bills, mobile/DTH recharges etc
6. Flexible loan and EMI options for responsible members

COMMERCIALS :
- Credit limit = ₹ 2,500 - ₹ 50,000
- Repayment duration = 30 - 45 days
- Processing fee = ₹ 200 (one time charge & inclusive of GST)
- Credit Usage fee = 2.5% (reduces with timely repayments)
- Prepayment fee = Nil
- Late fee = Minimum Annual Percentage Rate (APR) of 36% and Maximum APR of 48% would be charged on the number of days an account is overdue. Your bank may also levy charges in case of a ENACH bounce.

EXAMPLE :
- Credit limit assigned = ₹ 10,000
- Credit limit used = ₹ 5,000
- Tenure = 30 days
- Processing fee = ₹ 200 (one time charge)
- Credit Usage Fee = ₹ 125 (2.5% of ₹ 5,000)
- Amount disbursed in bank = ₹ 4,675
- Amount due = ₹ 5,000
- Interest amount = (36/365)% x ₹ 5,000 x No. of days the account is overdue (sample interest calculation)

ELIGIBILITY :
1. Indian citizen
2. Age above 20 years
3. Age below 65 years

DOCUMENTS REQUIRED :
1. PAN number
2. Aadhaar / Voter ID / Driving license number
3. Salary Slip / Employment Id (for salaried employees)
4. College ID (for students)
5. Bank statement (for working professionals)

TO APPLY :
1. Register using your mobile number
2. Fill the Credit Enrolment Form
3. Provide the necessary permissions for credit assessment
4. Once approved, enter bank details for money transfer or use the credit for in - app payments
5. Improve credit limit by inviting responsible and trustworthy colleagues to become a part of your FLYK Network. Timely repayment of dues by the network members unlocks EMI payment option, part payment facility, quick disbursals and many other service enhancements

OPERATIONAL CITIES :
• Madhya Pradesh : Bhopal, Indore, Jabalpur
• Pan India services will start from 17th September 2021

DATA SECURITY :
Your data is never, ever shared with any third party without your consent and all the transactions are secured via a 128-bit SSL encryption.

PERMISSIONS :
1. Transactional SMSs - for repayment capacity estimation
2. App usage info - for credit assessment
3. Call log info - for credit assessment
4. Contact info - for building FLYK Network and for user verification
5. Location info - for credit assessment
6. Camera - for eKYC
7. Media & storage - for uploading documents
8. ENACH - for auto deduction of pending dues

NBFC PARTNER :
Lendbox
RBI certified NBFC P2P platform
https://www.lendbox.in

OFFICE ADDRESS :
Chippr Deals Pvt. Ltd.
6, B.D.A Colony, Ishwar Nagar, E/8 Shahpura
Near Radisson Hotel
Bhopal, Madhya Pradesh - 462039

In case of any queries or feedback, kindly reach us at :
Email : support@flyk.in
Call : +91 6266114107 (Mon - Fri, 10.00 A.M - 6.00 P.M)
Whatsapp : +91 6266114107 (Mon - Sat, 10.00 A.M - 7.30 P.M)
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What's New

Bug fixes and performance improvements.
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Additional Information

Updated
February 1, 2021
Size
16M
Installs
5,000+
Current Version
2
Requires Android
5.1 and up
Content Rating
Everyone
Interactive Elements
Digital Purchases
Permissions
Offered By
Chippr Deals Pvt. Ltd.
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