BNPL
Credit, Flexi Pay & Loans
Flexible Credit.
Flexible Credit.
Smarter Financing.
NIH Bank's credit system (Flexi Pay) and loan services give you the freedom to buy now and pay later, with easy installment plans, defined credit limits, and automated repayment tracking. Flexible financial support designed for individuals and businesses to help you grow with confidence.
BNPL
Installment Plans
Credit Limits
Repayment Tracking
Secure AccessFlexi Pay / Credit Features
Buy-Now-Pay-Later (BNPL)
Shop or pay now and settle later with flexible repayment options.
Installment Repayment Plans
Convert your spending into manageable monthly installments.
Credit Limits up to Defined Thresholds
Enjoy pre-approved credit limits tailored to your profile and needs.
Automated Repayment Tracking
Real-time tracking of dues, schedules and payments for transparency.
Default Management System
Smart alerts and recovery workflows to manage and minimize defaults.
Mobile App Integration
Apply, track, repay and manage your credit anytime from our mobile app.
Loan Services
Personal Loans
Meet life's important needs with quick, secure and affordable personal loans.
Business Loans
Fuel your business growth with tailored financing solutions for every stage.
Import/Export Financing
Seamless trade financing to support your import and export operations.
Working Capital Support
Strengthen daily operations with flexible working capital financing.
Digital Loan Experience - How It Works
Apply Digitally
Submit your application online in just a few simple steps.
Get Assessed
We evaluate your profile using smart, secure assessment tools.
Receive Approval / Credit Limit
Get instant approval and a defined credit limit.
Access Funds or Flexi Pay
Use funds or shop now and pay later with Flexi Pay.
Track Repayments Easily
Monitor dues, get reminders and repay on time with full visibility.
Why Choose NIH Credit?
Structured credit for individuals and businesses
Solutions designed to meet diverse financial needs at every stage.
Secure authentication system
Advanced security to protect your data and transactions.
Real-time notifications
Stay informed about approvals, dues and important updates.
Credit and financing integration
Seamless integration across accounts, loans and Flexi Pay.
Mobile application accessibility
Manage your credit anytime, anywhere on our app.
Future-ready smart credit ecosystem
Technology-driven innovation for a smarter financial future.