Compare and Choose the Best Loan
Welcome to GetItNow product of Kapiital Kapslock, Are you a Salaried Professional in need of instant funds? Are you a College Student with a lot of aspirations? Do you wish you had some pocket money at your disposal to fulfill your dreams? Do you want quick access to credit when a need arises?
WHO IS GETITNOW PRODUCT OF KAPIITAL KAPSLOCK?
GetItNow product of Kapiital Kapslock is a mobile app-based platform that provides Instant loans for Salaried Professionals and College Students (from recognized educational institutions). The loans availed are instantly credited to your Bank account.
Why Choose Us
Our dedicated team of experts conducts thorough research and analysis to provide you with comprehensive and unbiased reviews of various loan options.
INDIA'S PREFERRED
INSTANT LOANS FOR SALARIED PROFESSIONALS AND COLLEGE STUDENTS
About Us
Are you a Salaried Professional in need of instant funds? Are you a College Student with a lot of aspirations? Do you wish you had some pocket money at your disposal to fulfill your dreams? Do you want quick access to credit when a need arises?
GetItNow powered by kapiital Kapslock is a mobile app-based platform that provides Instant loans for Salaried Professionals and College Students (from recognized educational institutions). The loans availed are instantly credited to your Bank account .
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Frequently Asked Questions
We've compiled a list of frequently asked questions to provide you with quick and helpful answers. If you have a question that is not addressed below
Who can borrow and what are the documents/details required?
GetItNow product of Kapiital Kapslock provides loans to salaried professional, as per below mentioned documents/details:
Salaried professionals:
Any full time student attending college under a UGC recognized University is eligible to borrow. We are currently not serving students pursuing correspondence/online courses/degrees
Salaried professionals:
How to borrow?
Students/Salaried professionals need to download GetItNow product of Kapiital Kapslock app and complete their Profile. Once the profile is approved, they may borrow as per approved limits.
What are the loan limits available for Salaried professionals/students?
College student: Initial borrowing limit of INR 500. Borrowing limit may increase up to INR 10,000 over time based on repayment track record and other factors. Salaried professional: Initial borrowing limit of INR 500 or higher subject to documents submitted. Borrowing limit may increase up to INR 20,000 over time based on repayment track record and other factors.
How is the credit limit decided?
GetItNow product of Kapiital Kapslock provides all approved users with a basic limit of Rs. 1,000/-. The credit limit assigned to a user is dynamic in nature and it may go UP or DOWN, as decided by our proprietary algorithm, basis several factors.
How to increase my Credit Limit?
Good repayment history is one of the primary factors leading to an increase in credit limits. Also, other factors like referring friends, regular transactions and additional information/details provided are also important.
I just repaid my loan. Why did my credit limit not increase?
Timely repayment of a loan is one of the most important factors contributing to higher limits, however it does not mean that each repayment will lead to higher limits. Other factors also play an important role towards increase of limits.
How can I repay the loan amount?
Please visit the transactions page on GetItNow product of Kapiital Kapslock app where due dates and amount due will be visible. Click on “Pay Now” to repay the loan at any time via payment options provided.
Do I have to repay less if I pay early?
No, the entire amount payable is due for repayment. In case one requires shorter repayment period, please select appropriate loan tenure in future transactions.
What if I repay late?
Repayment beyond due date impacts your credit limit negatively. Also, a daily interest after due date per day will be levied basis how long the loan remains unpaid.
What if I do not repay?
GetItNow product of Kapiital Kapslock endeavors to be your online elder brother, and we would like to be thought of as a friend. And just like a friend, we understand you may face financial difficulties at times. We request you to get in touch with our Customer Care helpdesk to make the repayment as flexible for you as possible.
However, in case of intentional defaults or evasive borrower behavior, please remember that each loan is backed by a digitally signed legal contract which allows us to take the following steps:
How do I get a job with GetItNow Product of Kapiital Kapslock?
GetItNow product of Kapiital Kapslock is always looking for smart individuals to join the team. We have both full time and part time assignments, along with opportunities to work remotely.
How do I get a job with GetItNow Product of Kapiital Kapslock?
GetItNow product of Kapiital Kapslock is always looking for smart individuals to join the team. We have both full time and part time assignments, along with opportunities to work remotely.
Please follow the following steps:
I am unable to register from my second device
Please raise the device change request by filling out the required details on the contact us page or you can drop us an e-mail with the details on help@getitnow.digital
How to get Profile approved?
The “Profile” section in GetItNow product of Kapiital Kapslock app needs to be completed, post which it is considered for approval by our Credit team by verifying information provided. Upon approval, credit limit is assigned and intimation sent via App notification/text/email/Whatsapp
Aadhaar/PAN Card mandatory?
Yes.
What if I do not have a salary slip(For Salaried Professional)?
Salary slip is mandatory.
Last 3 months Bank statement mandatory?
Yes.
Do I have to submit hard copies of my documents?
No, you do not need to submit any hard copies of your document. The Profile Creation process with GetItNow product of Kapiital Kapslock is online and paperless.
You just need to fill in the required details and upload photos of required documents. Once your profile is approved you can borrow money instantly.
How will I know what changes/updates I need to make in my profile?
Messages from GetItNow product of Kapiital Kapslock about incomplete profile will be sent via app notifications/text/Email. Also, the profile section will display the incomplete sections with related pop-up messages intimating changes required.
How long does it take to get my Profile approved?
Upon successful Profile completion, approval process may take up to 24 hours under normal conditions. Of course, GetItNow product of Kapiital Kapslock endeavors to approve as quickly as possible.
I accidentally chose different occupation.
Please email us at help@getitnow.digital with your registered mobile number. Our customer support representative will get in touch with you to resolve the issue.
What are the loan limits available for Salaried professionals/students?
College student: Initial borrowing limit of INR 500. Borrowing limit may increase up to INR 10,000 over time based on repayment track record and other factors. Salaried professional: Initial borrowing limit of INR 500 or higher subject to documents submitted. Borrowing limit may increase up to INR 20,000 over time based on repayment track record and other factors.
I have submitted my loan request, but yet to receive funds?
Once the “Profile” has been created, GetItNow product of Kapiital Kapslock credit team approves the “Profile” and assigns credit limit. Post approval, you need to choose the desired loan amount and it gets disbursed instantly upon accepting the terms and conditions.
How long does it take to get money in my bank account?
Loan disbursement in a Bank account may take upto 24 hours to process. In case of non-working days (weekend or bank holiday) in between, disbursement may take longer.
The transaction screen shows my loan was processed but I have not received the money?
In case “Primary account” chosen is a Bank account, disbursement may take up to 24 hours to process. In case of non-working days (weekend or bank holiday) in between, disbursement may take longer.
It has been more than 24 hours. Why have I not received money in my bank?
Kindly check whether the IFSC code and Bank account details of your Bank account are correct. In case of multiple bank accounts added to your profile, disbursement will be done in the account marked “Primary”
What is GetItNow's product of Kapiital Kapslock referral program?
GetItNow's product of Kapiital Kapslock Referral Program is a promotional scheme wherein you get a chance to earn exciting rewards such as discounts on Interest rates (applicable on loans taken through GetItNow product of Kapiital Kapslock) by inviting your friends to GetItNow product of Kapiital Kapslock.
How referral works?
All you need to do is to share your referral code with your friends, and ensure they use the code while signing up on the GetItNow product of Kapiital Kapslock App. To know more about how you can invite and share your referral code with friends.
What is the referral reward policy?
Depending on the reward policy applicable to your GetItNow product of Kapiital Kapslock account, you may receive a Referral reward when your friend signs up with your referral code and takes his/her first loan through GetItNow product of Kapiital Kapslock.
Do my friends whom I refer gets any benefits?
If applicable, your friend may also receive a Referral reward upon sign-up. He/she can use this Referral reward to reduce Interest payable on his/her first loan through GetItNow product of Kapiital Kapslock.
Where do I find my referral code?
You can find your referral code and the reward policy applicable to your GetItNow product of Kapiital Kapslock account in the Refer Friends section in your GetItNow product of Kapiital Kapslock app menu.
Referral rewards
Referral Rewards - Terms and Conditions
Referral rewards can be used only against Interest applicable on loans availed.
Maximum 25% discount on Interest applicable using Referral rewards.
How can I invite my friends to GetItNow Product of Kapiital Kapslock?
You can invite your friends to GetItNow product of Kapiital Kapslock by sharing your referral code.
To share your referral code with friends, all you need to do is: -
You can invite your friends to GetItNow product of Kapiital Kapslock by sharing your referral code.
• Select Refer & Earn in GetItNow product of Kapiital Kapslock app menu to find your referral code.
• On the Invite Friends screen, start inviting your friends to GetItNow product of Kapiital Kapslock by sharing your referral code along with the unique GetItNow product of Kapiital Kapslock app download link via WhatsApp, Facebook, Messenger, Twitter, SMS, or Email.
• You can also share your referral code directly with your friends over the phone or in person.
Troubleshooting Referral Issues
I am unable to find my Referral Code You can find your referral code to share with your friends by clicking on “Refer Friends” in your GetItNow product of Kapiital Kapslock app menu. If you are unable to see your referral code on clicking “Refer Friends” in your GetItNow product of Kapiital Kapslock app menu, it may be that- • You are not eligible for GetItNow’s product of Kapiital Kapslock referral program.
• You are using an older version of the GetItNow product of Kapiital Kapslock app. We recommend updating your GetItNow product of Kapiital Kapslock app by visiting your phone's app store.
• You have created multiple GetItNow product of Kapiital Kapslock accounts on the same phone or used the same GetItNow product of Kapiital Kapslock account on multiple devices.
• You are using a device which has been compromised with.
You may not receive referral benefits on referring your friends if: -
• You are not eligible to receive one as per the reward policy applicable to your GetItNow product of Kapiital Kapslock account at the time of your friend’s sign-up.
• Your friend has not used your referral code while registering on the GetItNow product of Kapiital Kapslock app.
• Your friend has already used GetItNow product of Kapiital Kapslock before using his/her registered mobile number or email ID.
• Your friend has registered on an older version of the GetItNow product of Kapiital Kapslock app.
• You have created multiple GetItNow product of Kapiital Kapslock accounts on the same phone or used the same GetItNow product of Kapiital Kapslock account on multiple devices.
• You are using a device which has been compromised with.
I registered with a referral code but did not get Referral rewards.
You may not receive referral benefits on registering with referral code if: -
• You are not eligible to receive one based on the referral policy applicable to your friend’s GetItNow product of Kapiital Kapslock account at the time of your sign-up.
• You have entered an invalid referral code while registering on the GetItNow product of Kapiital Kapslock app.
• You have already registered GetItNow product of Kapiital Kapslock before using your registered mobile number or email ID.
• You have registered on an older version of the GetItNow product of Kapiital Kapslock app.
• You have created multiple GetItNow product of Kapiital Kapslock accounts on the same phone or used the same GetItNow product of Kapiital Kapslock account on multiple devices.
• You are using a device which has been compromised with. Please refer to our referral terms and conditions here.
