All you need to know about StuCred
What is Alumni?
A student who is an active user becomes eligible even after graduating and still can continue to be a part of the Stucred community.
How is your StuCred score calculated?
Your StuCred score is an average of the score you have received for your transactions behaviour, and is measured out of 5 stars. Scores are assigned by the algorithm based on a variety of factors. The score is usually done on the basis of your ...
Managing your StuCred score after due date
We understand that at times you may be delayed due to various reasons to pay the loan on time and this may impact your score. Sooner you pay, lesser will be the impact on your StuCred score.
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 ...
What is StuCred score & Why does it matter?
Score is basically a genuine understanding between You and StuCred. Generally when you score us on Social Media Platforms/App Store to convey your gratitude, we try to convey from our very own StuCred app. It gives us an opportunity to show you ...
What is StuCred?
StuCred is a secure digital platform offering short term loans to empower and educate the student community in India! We offer credit within the range of Rs 500 to Rs 30,000 instantly to the users bank account - ensuring one always has 'cash on ...
What do I need to create a StuCred account?
The only things you need to create a StuCred account are: Phone number College details (College Name, College ID & Email ID) Government ID (Aadhaar Card & PAN Card / Driving License) Video OTP for liveliness check
What are the stages involved in availing a loan with StuCred®?
What are the stages involved in availing a loan with StuCred®? The steps to on board onto the StuCred® platform are:- 1. Registration - Enter your details, and the OTPs sent to you. That’s it! 2. Verification - Scan Govt ID (Front and Back), college ...
How does StuCred's fee structure work?
Great question! At StuCred, our mission is to empower college students by helping them tackle their financial constraints, not add to them! Therefore, we have altered our fee structure in line with our mission. Financial services generally follow a ...
When was StuCred launched?
We started building our community on 19th October 2018!
Who can use StuCred®?
Currently, StuCred is available to college students ( 18 years + ) actively enrolled in specified colleges in India. Click here to check if your college has StuCred!
When can I use StuCred?
StuCred is available anywhere in India, 24x7! That translates to cash being available whenever and wherever you need it.
How can I use StuCred®?
Download the StuCred app (Available only on Play Store for android phones) and create your own StuCred profile to take loans, manage your account, view exclusive offers and much more!
Why StuCred®?
Why not? Once in our system, you can access instant credit - anytime, anywhere. You get a chance to unlock even larger credit limits by successfully borrowing and repaying your loan amount. Additionally, you have the opportunity to build a credit ...
Why are there some negative reviews when you claim to have the best service in industry?
When everyone is not 100% satisfied due to unforseen problems such as loss of mobile, request to change the amount after amount is disbursed and request to hold the amount after disbursement - negative reviews may arise. At StuCred, we take negative ...
What if I want StuCred to erase all my data?
As a RBI regulated entity we are under regulatory obligations to keep your data for a minimum of 10 years. These retention requirements supersede any right to erasure requests under applicable data protection laws (such as GDPR). We cannot therefore ...
What if I change my device?
If you change your device, just download the app on the new device and sign in with your registered mobile number. Make sure the registered mobile number (SIM CARD) is in the new device.
Why does StuCred need my GPS location?
StuCred needs your GPS location for security purposes so that we can make sure you are in India while applying for a loan as we operate only in India.