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Your financing profile
See your account level, Nano and Term instalment limits, credit rating, document status and product access from one Profile screen.
Financing built around your profile.
ReferredBy is a community-vetted digital financing platform that connects eligible users with participating lending societies and lenders — with your account level, credit rating, documents and applicable portfolio rules visible in one place.
24/7 app access KYC-based profile OTP digital confirmation Transparent terms
A profile, not a one-size-fits-all promise
See what applies to your account.
The updated ReferredBy model is built around your verified profile, participating lender setup, account status and the rules attached to the product available to you.
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Community-vetted access
ReferredBy connects borrowers through referring partners, lending societies and participating lenders instead of presenting every loan as one generic facility.
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Clear before you confirm
Interest mode, rates, fees, limits, repayment terms and digital contract details are shown before the request is completed.
Interest Confirmation & Loan Access
Nano Loan
Term Loan
Know who is lending — and which product is available to you.
Before you request, ReferredBy gives you a dedicated Interest Confirmation view. It explains the lending relationship and the pricing structure that applies to the specific borrower and product.
Who is involved in your loan?
Your screen can identify the Referring Partner, Lending Society and Participating Lender connected to your account. It also shows the active interest mode, applicable fees and loan limits.
Shorter-term access
When Nano Loans are enabled on your profile, the app shows the amount range and terms that apply to your current level.
- Eligibility shown in-app
- Profile-level limits
- Terms shown before confirmation
- Statement and repayment tracking
Availability is subject to your current account status and applicable product rules.
Structured instalment lending
Eligible users can access Term Loan requests based on account level, instalment maximum and the requirements of the participating lending setup.
- Term instalment maximum visible
- Loan period and repayment schedule
- Interest and fees disclosed in-app
- Document and eligibility checks
A disabled product button means that product is not currently available to the account.
After you choose a product
Review, confirm, track and build your history.
The updated app keeps the key parts of the lending journey visible instead of making you guess what happens next.
Review before you sign
The Request Loan screen shows the amount, interest, processing fee, total repayable and key repayment dates before you continue.
✓Terms & Conditions and Digital Contract available before submission.
✓OTP is used as the secure digital confirmation of the request.
Track your loan & rating
Use your statement and Credit Score History to follow repayment information and see how your financing profile develops.
✓Loan reference, balance, repayable amount and key dates.
✓Current rating, score breakdown and rating-history events.
Inside the new ReferredBy
One app. A clearer financing journey.
Swipe through the refreshed experience from profile and qualification to rates, requests, confirmation and tracking.
Frequently asked
Questions borrowers actually ask.
Keep the homepage short. The four most common questions are here; the full FAQ opens on its own page.
There is no single amount that applies to everyone. Your Profile and Request Loan screens show the limits currently available to your account, subject to your level, status and product rules.
A product may be unavailable because of your current account status, active or outstanding facilities, document/KYC requirements, account level or other product eligibility rules.
Your Interest Confirmation screen shows the active interest mode and values that apply to your account, together with the lender setup, fees and relevant limits.
Open Statement from your Profile to view loan details and repayment dates. Credit Score History shows your current rating, score breakdown and rating events.
Take your ReferredBy profile with you.
View your account level, available products, interest setup, statements and rating from your phone — and submit eligible requests digitally.
