RING is India’s trusted transactional credit app for the young and the restless, the dreamers and the doers. We are Made-in-India app that is 100% digital with credit provided by an RBI-registered NBFC (Si Creva Capital Services Pvt. Ltd), offering quick credit, personal loans, and a plethora of payment options.
Customers can avail of credit up to Rs. 2 lakhs with quick and paperless KYC in under 5 minutes! APR varies from 18% – 36% per annum. Convenient repayment over 3 to 24 months. Unlock higher pre-approved limits on timely repayment.
RING follows a human-first approach to customer service. We care deeply about customer safety, and data protection and take adequate measures to ensure that our customers have a seamless and delightful experience, at every interaction. Our collection processes are designed to be empathetic and follow all guidelines prescribed by RBI and MeiTY.
Use RING’s pre-approved limit to unlock awesome benefits:
- Pay at over 8 lakh RING merchant stores across India
- Transfer to your own bank account for quick cash
- Transact online and offline
- Seamless Bill Payments
- UPI Payments
- Power Loan up to Rs. 2 Lakhs
Extra Bonus: Win unbelievable rewards and cashback, each time you transact on RING.
Example of Credit for Small Business Purchases
Loan amount (Principal): ₹ 1,00,000.
Tenure: 12 months.
Interest Rate: 30% per annum.
Processing Fee (incl. GST): ₹ 3000 (3%).
Total Interest: ₹ 16,985.
EMI: ₹ 9747.
APR: 36.86%.
Loan amount is ₹ 1,00,000.
Disbursed amount is ₹ 97,000.
Total loan repayment amount is ₹ 1,16,985.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹16,985 + ₹3000 = ₹19,985
How to avail RING Limit:
- Open the camera/scanner to scan the welcome QR Code and install the app
- Enter the amount to make the payment
- Register with your contact number & PAN details
- Accept the offer and start using your LIMIT
- Pay as per the agreed repayment schedule
Why Choose RING?
- Easy credit up to Rs. 2 lakhs
- Quick & Simple Application Process
- Flexible and Multiple Repayment Options
- Instant Approval & Credit Activation
- No Physical Documentation
- No Collateral Required
We work with RBI-registered NBFCs.The NBFCs are as follows:
-Si Creva Capital Services Pvt Ltd
-Poonawalla Fincorp Limited
-MAS Financial Services Limited
Eligibility Criteria:
● Applicant age should be 21 & above
● Indian Nationality
Documents Required:
● PAN
● Aadhaar
We Care For You!
At RING we care about the safety and well-being of our customers. Our collection processes follow RBI guidelines and reflect our values of empathy and courtesy.
These are our 7 rules of Customer Care:
- We don’t contact customers via any private or personal 10-digit mobile number on WhatsApp or SMS.
- We don’t contact customers for payment collection reminders from personal mobile numbers, foreign numbers or Internet-based VOIP calls. Our team always calls you from registered landline numbers.
- We never ask customers to make payments into personal or private bank
accounts. Payments are only collected on our website or the app. - All our calls are monitored and recorded. Our agents never use threats or abusive language.
- We never ask for commission or cutbacks on payments of dues.
- Our App does not seek permission to access your Contacts List or any other private data.
- We never call your friends or relatives for repayment of your loan as we do not store your personal information.
In case you have faced any of the above-mentioned situations, do this:
- Write to care@pay-with-ring.com OR call our customer care number on
02262820570/ 0224891492. - Share with us a screenshot or recording of the message or call.
Address: Office unit 2,3 & 4, 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai -400070. Maharashtra, India.
Disclaimer:
The application is SSL-certified, and all transactions are 100% safe and secure.
