Who can join the Credvivo Referral Program?

Anyone aged 18+ in India with a valid mobile number and PAN can join free. No prior DSA experience required.

Up to 0.5% on home loans, up to 2% on personal/business/car loans, and up to 15% on insurance — all on disbursed amount.

Commission is credited to your wallet within 7 days of loan disbursal and can be withdrawn to your bank account.

Is there any joining fee?

No. Credvivo's referral program is 100% free to join. No setup cost, no monthly fee.

How much can I earn per referral?

Commission depends on the service. You can earn up to 0.5% on home loans, up to 2% on personal, business, and car loans, and up to 15% on insurance — all on the disbursed/approved amount.

Is it really free to join?

Yes — there are no signup fees, no monthly charges, and no hidden costs. You only earn; you never pay.

Commissions are credited to your dashboard upon loan disbursal, then approved within 7 days. Payouts are processed monthly via UPI or bank transfer.

Home loans, personal loans, business loans, car loans, and insurance — all major loan products are eligible for commission.

How long does my referral link stay valid?

Your unique link is valid for 30 days from the moment someone clicks it. If they apply within 30 days, you get attribution.

Who gets credit if multiple people refer the same person?

We use first-touch attribution — the first referrer whose link was clicked wins. This is fair and prevents disputes.

Do I need any documents to join?

Just your mobile number to sign up. To receive payouts, you'll later add your PAN and UPI/bank details — both KYC-verified.

Can I track my referrals in real time?

Yes. Your dashboard shows live click counts, lead status, approvals, disbursals, and earnings.

What if my referral's loan is rejected?

No commission is paid on rejected loans, only on disbursed ones. But you keep the click and lead history in your dashboard.

Yes. All data is encrypted, stored in ISO 27001 certified infrastructure, and protected by bank-grade RLS policies.

Credvivo Referral Program

Earn Money by
Referring Loans

Earn service-wise commission on every successful loan disbursal — from home loans to insurance.

Start Earning Today Already a Member? Sign In

Partnered with 15+ Banks & NBFCs
Trusted by 2500+ Happy Customers
30-day referral tracking
No joining fee

Earnings example

₹1,00,000on a ₹50L personal loan

Home Loanup to 0.5%

Personal Loanup to 2%

Business Loanup to 2%

Car Loanup to 2%

Insuranceup to 15%

₹50L personal loan @ 2%₹1,00,000

₹1Cr home loan @ 0.5%₹50,000

₹2L insurance premium @ 15%₹30,000

Refer 5 personal loans/mo₹5,00,000

Bank-grade security · ISO 27001

How it works

Join → Get Link → Share → Earn

STEP 1

Join the program

STEP 2

Get your referral link

Auto-generated unique link from your dashboard.

STEP 3

Share it

Send it via WhatsApp, Instagram, or any social channel.

STEP 4

Earn when the loan is disbursed

Commission credited within 7 days of disbursal.

Commission Tiers

Earn more as you grow

Tiers boost your service-wise commission. Move up automatically as you refer more — top tiers unlock the maximum payout for every service.

Starter

Basetier boost

For new referrers. Default tier when you join.

Earn Standard service rates

Pro

+10%tier boost

Unlocked after 5 successful disbursals. Boost on top of base service rate.

Earn Bonus on every payout

Elite

+25%tier boost

Top performers with consistent monthly volume. Highest payouts.

Earn Maximum service rates

Commission by Service

Service-wise commission rates

Earn service-wise commission on every successful loan disbursal. Rates vary based on service type, bank/NBFC approval, and Credvivo policy.

Commission is payable only after successful loan disbursal. Rates may vary based on service type, bank/NBFC approval, and Credvivo policy. All payouts are subject to KYC and verification.

Why Credvivo

Built for serious referrers

Zero investment

No fees, no setup cost. Sign up free, earn forever.

Trusted banks

We work with 15+ banks & NBFCs across India.

Fast approvals

Most loans disbursed within 7 days of application.

Real-time tracking

Live dashboard for clicks, leads, and earnings.

Partnered with India's leading banks

HDFC · ICICI · Axis · SBI · Kotak · Bajaj Finserv · Yes Bank · IDFC First · and many more lending partners.

2,500+

Active referrers

₹500Cr+

Loans disbursed

15+

Banks & NBFCs

20+

Cities covered

Ready to start earning?

Join 2,500+ referrers already earning passive income with Credvivo. Free signup, no commitments.