This isn’t a registration charge. It’s a professional credit review, the same one banks charge more for and take days to complete. We do it in 2 minutes.
✅ Charged by our lending partner, not InstaMoney
✅ Full CIBIL + income review
✅ Decision in 2 minutes
What the ₹399 Actually Is
The ₹399 is not a registration fee, a membership charge, or money that InstaMoney keeps. Here is exactly what it is, in three plain points.
Point 1 : A Credit Profile Review Fee
Fees upto ₹399 charged by our lending partner to run a deep, professional review of your credit profile, not just a quick glance at a score.
Point 2 : Paid to the Lending Partner InstaMoney does not collect or keep the fees. It goes directly to the RBI-registered NBFC that reviews your application and makes the lending decision.
Point 3 : Real Work for a Real Decision Your CIBIL report is fetched, your income is assessed, and a full underwriting check is done. Fees up to ₹399 covers the actual cost of that work, completed in 2 minutes.
Who Charges the Application Fees?
InstaMoney is a loan facilitation platform, not a lender.
InstaMoney connects borrowers to RBI-registered lending partners (NBFCs). The loan decision is made by the lending partner, not by InstaMoney. The Credit Profile Review Fee is charged by that lending partner to cover the cost of assessing your application. InstaMoney earns through successful loan disbursements, not through application fees.
How the fees flows: You → InstaMoney (platform only) → Lending Partner receives ₹399 → Full credit review completed
Our lending partner is a registered NBFC operating under RBI guidelines. For more details visit and learn about our Lending-Partners
What Your Application Fees Gets You
Your fees up to ₹399 pays for a professional financial review that gives you a genuine shot at credit, even with a low salary or thin credit history.
Full CIBIL / Experian Pull: Your complete credit bureau report is fetched and analysed, not a basic score check.
Income Assessment: Your salary and repayment capacity are reviewed properly, giving you a fair evaluation.
Deep Underwriting: A complete check of your credit history, obligations, and loan eligibility, done thoroughly.
A Fair Shot for Low Income: Low income earners who banks often reject without review. We actually look.
Loan decision in 2 minutes: From completing your profile to receiving your result, approved or rejected.
Still have questions? We’re here.
Our support team reads every message. If you had a bad experience with the ₹399 fee, tell us, we will personally look into your case.