Open the app, log in to your account, select “Apply”, fill in the required information, and submit for review. Once approved, the loan amount will be disbursed directly to your bank account or linked payment method.

The loan limit is dynamically evaluated based on your credit profile, repayment history, and application information. The specific limit will be displayed during the application process.

Interest rates vary depending on the loan product and repayment term. The system will clearly display the rate and all applicable fees during application to ensure transparency.

You can repay via UPI, bank transfer, net banking, or in-app quick pay. Some products also support automatic deductions.

Yes, early repayment does not incur additional penalties, but please ensure the repayment amount covers both principal and interest.

In special circumstances, you may request a repayment extension or contact customer service for assistance. Late payments may incur fees or affect your credit record.

Typically, approval takes from a few minutes up to 24 hours. Once approved, funds are disbursed immediately.

We strictly follow data protection policies. All information is encrypted and used solely for loan application, approval, and repayment processes. It is never shared with unauthorized third parties.

You can contact us through the "Contact Us" portal in the app or the customer service email service@arclamppvtltd.com, and we will provide support as soon as possible.

Whether multiple loans can be applied for depends on your credit status and outstanding loans. The system will provide guidance based on risk assessment.

No. To protect your funds, the app will not default to using your previous repayment account. You need to manually enter or select a bank account each time, ensuring that every transaction is actively confirmed by you.