How do I secure my repayments through external payments links?
Repayments must only be made through the official repayment links shared by StuCred.
Do not make any payments directly to any personal UPI ID or phone number.
You can verify the link’s authenticity—when you click the Repay button, it will show StuCred as the recipient.
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Is my private information secure?
Yes, our policies and procedures are designed to protect both your confidentiality and the security of your information. We store and process your personal information using third-party servers located in secure data centres, that are protected by ...
How is a credit score calculated?
Credit Information Companies (CICs) calculate individual credit scores. CIBIL, Equifax, Experian and CIRF are the 4 CICs in India. Elements that could influence your score may include quantity and type of loans taken in the past, length of credit ...
What happens if I don’t pay on time (default)?
If you are unable to repay the loan by the due date, you can use the extension feature available in the app—provided you apply before the due date. Failure to repay on time will result in a default service charge and a daily late fee. You are allowed ...
Can I make a partial payment and take an extension for the balance amount I need to repay?
Loan repayments need to be made in full. We charge a minimum fee extending a loan, in case you need it.
Managing your StuCred score before due date
Your score is hugely impacted based on your repayment behaviour. Managing your credit before the due date is the best form of responsible borrowing. On time repayments and extensions before your due date will always have a positive impact and get you ...