Paying your EMI is a quick, secure, three-step process in the Credit Saison India App:
Log In: Open the App and log in using your registered mobile number.
Select & Pay: Navigate to the “”Payments”” or “”My Loans”” section, select the EMI amount due, and click “”Pay.””
Choose Method: Select your preferred payment option (UPI, Net Banking, or Debit Card) and complete the transaction.
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The Credit Saison India App provides multiple secure and instant payment options for your convenience:
UPI (Unified Payments Interface): Pay instantly using any linked UPI ID.
Net Banking: Direct payment from your linked bank account.
Debit Card: Use your debit card for an immediate transaction.
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Missing an EMI due date can have two negative consequences:
Penal Charges: You will incur Annualised Penal Charges (Late Payment Fee) on the overdue amount.
Credit Score Impact: The missed payment will be reported to credit bureaus, which may negatively impact your CIBIL/Credit Score, making future loans more difficult or expensive.
Clear Dues Instantly: You can immediately check and clear your overdue amount and associated charges via the Credit Saison India App to minimize the impact.
We encourage advance EMI payments (a few days before the due date) to ensure timely processing and maintain a healthy credit score.
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Yes, you have the flexibility to pay your EMI in advance using the App.
Advance Payment Option: Log in to the App, navigate to the “”Payments”” section, and choose the option to pay your upcoming EMI. Paying early ensures you maintain an impeccable payment history.
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The EMI due date is generally fixed as per the signed loan agreement and the NACH mandate setup.
Query Submission: For any request to modify the due date, you can raise a service request/query on Whatsapp at 9987098137 or call us at 1800-1038-961 for an assessment by the customer service team. Approval is subject to internal policy and discretion.
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Paying your EMIs before the due date is good for credit.
This is because a missed EMI causes your credit score to drop. With advance EMI payment, you eliminate the possibility of missing the date, which is a smart idea for maintaining good financial health.
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Yes! And it’s called pre-closing the loan account.
For this, you need to contact your lender and make a one-time payment for your complete loan amount plus interest. If you want to pay all EMIs in advance at once, you need to go in for a loan pre-closure.
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