Simplifying Finance, One Chat at a Time!

Unlock financial freedom with hassle-free credit card refinance and personal loans, easily accessible on

Welcome to Spheeti Fintech

Pioneering Financial Solutions for the Digital Age.

At Spheeti Fintech, we’re redefining the landscape of financial services with our cutting-edge approach tailored for the modern world. As a New Generation NBFC, we blend traditional financial expertise with the agility and innovation demanded by today’s dynamic markets.

OUR VISION

Our vision is to become a leading force in the financial lending sector, known for innovation, integrity and customer-centric solutions.

OUR MISSION

Our mission is to provide innovative financial services that cater to the diverse needs of our customers through technology while fotering trust, transparency and sustainable growth.

What Sets Us Apart

Tech-Driven Solutions

Harnessing the power of technology, we deliver efficient and convenient financial services that meet the demands of a digital-first world.

Customer-Centric Approach

We prioritize our customers' needs and preferences, crafting personalized solutions that empower them to navigate financial complexities with confidence.

Commitment to Excellence

Our team comprises seasoned professionals dedicated to delivering unparalleled service excellence and driving positive outcomes for our clients.

WHAT WE DO

Our Products

credit card refinance in mumbai

CREDIT CARD REFINANCE

PERSONAL LOAN

GOLD LOAN

CREDIT CARD REFINANCE

Embark on a smoother credit card debt management journey with Spheeti Fintech’s Credit Card Refinancing Loan, now available via WhatsApp. Say goodbye to paperwork and effortlessly save money while repaying your debt. Consolidate high-interest credit card balances into one manageable payment and streamline your financial obligations.

With our WhatsApp-based application process, applying is quick and efficient – no app downloads required.

free cibil score
Instantly apply via WhatsApp, no app downloads needed.
Consolidate high-interest credit card balances into one manageable payment.
Save money while repaying your debt.
Enjoy easy EMIs to repay your card with ease.
credit card refinance instant

PERSONAL LOAN

Dive into a realm of financial flexibility with Spheeti Fintech’s Personal Loan, now conveniently available through WhatsApp. Crafted for salaried professionals, our unsecured loan offering grants you the freedom to address various personal needs, whether it’s travel expenses, medical bills, or unforeseen emergencies. With no collateral required, accessing financial assistance is as simple as sending a message.

From covering car repairs to ensuring timely rent payments, our Personal Loan is here to provide swift and reliable support.

free cibil score

Apply instantly for a Personal Loan via WhatsApp, no collateral needed.

Utilize the loan for diverse personal expenses, from travel to medical emergencies.

Handle unexpected expenses effortlessly, such as car repairs or late rent.

personal loan in mumbai

Get instant financial aid via WhatsApp, no paperwork!

GOLD LOAN

Embark on a journey of financial flexibility with Spheeti Fintech’s Gold Loans. We understand the importance of offering adaptable financial solutions that empower you to maximise your assets. Our Gold Loans present a seamless method to access swift funds while safeguarding your precious gold assets. Tailored to suit a variety of needs, our Gold Loans cater to:

  • Individuals in urgent need of funds for emergencies or personal expenses.
  • Business owners aiming to bolster their growth and expansion with working capital.
  • Business owners seeking short-term financing solutions to meet their fluctuating needs.
Unlock the potential of your gold assets with Spheeti Fintech’s Gold Loans.
free cibil score

Gold is evaluated by our expert appraisers for purity and weight.

Swiftly approval process with instant approval and disbursal

free cibil score in mumbai
Flexible repayment plans that suit your needs, short-term or long-term.
free cibil score instant

Your gold is stored securely in our state-of-the-art storage facilities.

free cibil score in whatsapp
Unlock your financial potential with
a FREE CIBIL SCORE on WhatsApp today
free cibil score on whatsapp

Eligibility Guidelines

Requirements and Criteria

loan eligibility

Minimum Salary

INR 25K for Personal Loans
INR 35K for Credit Card Refinance

Loan Eligibility - Work Experience

Work Experience

More than 1 Year

Loan Eligibility- Residence Type

Residence Type

Permanent in India

Credit Score

Good Credit History
CIBIL > 685

WHY SPHEETI FINTECH

Effortless Access to Low-Interest Loans

simple and easy to get

Simple & Easy to Get

If one is seeking out easy and comparatively low interest loan then SFPL is the right option to access.

No Collateral

These loans don’t require for you to pledge any collateral or asset to avail a credit card refinancing loan.

no documentation

Minimum Documentation

It requires minimum documentation as compared to other loans. This makes the system brief and easy.

Innovative Solutions

Stay ahead of the curve with our innovative financial products and services tailored to your unique requirements.

Expert Guidance

Benefit from the expertise of our seasoned professionals who are committed to guiding you towards financial success.

Seamless Experience

Experience hassle-free transactions and seamless customer service powered by cutting-edge technology.

WHY SPHEETI FINTECH

Effortless Access to Low-Interest Loans

simple and easy to get

Simple & Easy to Get

If one is seeking out easy and comparatively low interest loan then SFPL is the right option to access.

No Collateral

These loans don’t require for you to pledge any collateral or asset to avail a credit card refinancing loan.

no documentation

Minimum Documentation

It requires minimum documentation as compared to other loans. This makes the system brief and easy.

Innovative Solutions

Stay ahead of the curve with our innovative financial products and services tailored to your unique requirements.

Expert Guidance

Benefit from the expertise of our seasoned professionals who are committed to guiding you towards financial success.

Seamless Experience

Experience hassle-free transactions and seamless customer service powered by cutting-edge technology.

WHAT OUR CLIENTS SAY

Testimonials

spheeti testimonials

OUR PARTNERS

Now you can apply for a personal loan for all your needs directly on WhatsApp and get funds in your bank account in no time!