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Consumer Thoughts.

Harsh Malhotra


@getsimpl I'm user of simpl Approx. 4 year and my experience is great. it also help me a lot thank you so much.
9:51 pm-May 20 2021

Anas Ansari


@getsimpl being a tech savvy now I can order food, groceries, cab or bike, even trendy clothes in JUST ONE @getsimpl Click. ❤️ Thanks 😊
9:24 AM-May 16, 2021

Rahul Pal


@getsimpl I don't know how to explain but this app is a Life Saver. I don't know how there system working but this concept rocks & helpful for millions. They need some Loyal customers and they are Ready to Rock 🤘. Thanks Simpl to making this amazing App.
1:19 PM-May 7, 2021

Devesh Thakur


@getsimpl I am user of simpl 2,3 year and my experience is very great it is a very good app and it also help me a lot thank you so much
1:28 PM-May 6, 2021



I love your application, whenever I don’t have money you’re app is helped lot of times. Thank you so much
9:28 pm-May 3, 2021

Aditya Pratap


@getsimpl Ohh Thank you so much for thinking of me! I wanna thank you
I wanna thank you for believing in me
I wanna thank you for doing all this hard work
I wanna thank you for always being a giver
I wanna thank you for this one tap. 😅😂❤️
8:32 pm-Apr 23 2021

Mohak Ahuja


@getsimpl Kudos to the developers and the team for creating a brilliant app.🥇 Your customer support is also very good. I just got a call from them and the caller told me everything about the billing cycle.
4:12 pm-Apr 20 2021

Shivam Verma


@getsimpl Thanks to you, I can cater to all my midnight hunger attacks mid-study and not worry about the repayment till the next month. For a student, you are a hero. Here's an appreciation post.
8:12 PM-Nov 23, 2020

Shop online with Simpl.

Explore our network of 15,000+ merchants
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Simpl app store download

Control, Trust & Affordability

  • Control over your credit identity

    Simpl uses its own machine learning models to understand customers. We don’t follow the rules of credit scores.

  • Transparency and Trust

    No hidden fees or stacks of paperwork with terms and conditions. Everything from bills to refunds is transparent.

  • Simpl

    Affordability with Pay Later

    Spend in a way that makes you comfortable. Simpl lets you spread your monthly income across your shopping needs.

You Ask. We Answer!

  • How is my spending limit determined?

    Your spending limit is initially set by default. But once you start using Simpl, the limit is constantly updated based on a few major factors.

    How regularly you repay: Regular and prompt repayment is the most important factor in updating your spending limit. If you’re quick and consistent in settling your dues with Simpl, your spending limit increases over time. Needless to say, consistently failing to do so will have the opposite effect.

    Your spending habits: The spending limit will mirror your purchasing habits. If your spending increases steadily, the limit will go up too.

    Using the Simpl app: The Simpl app lets us carry out further verifications based on data available on the phone. For example, based on your transactional SMS messages, Simpl can increase your spending limit to match your overall spending.

    The strength of your profile: A strong profile allows us to verify your identity, and get to know you better. Simpl uses this information to increase your spending limit.

  • Does Simpl do anything if someone doesn’t pay?

    If a payment isn’t made by the due date, Simpl can charge a late penalty of up to Rs. 250 + applicable taxes (GST). In case a user informs us about any issue s/he is facing, we will withhold the late penalty. Or reverse it, depending on the situation.

    Users are also notified multiple times via Email, SMS and other reminder notifications before the penalty is levied. We hate hidden charges as much as you.

    In case you're facing any issue, do drop us a message, and we'll get back to you at the earliest and have it resolved.

  • How does Simpl’s billing cycle work?

    Your Simpl bill is generated twice a month.

    All your transactions between 1st and 15th are added into one bill, which is generated on the 15th.

    All transactions made between 16th and 30th/31st are added into one bill, which is generated on, you guessed it, 30th/31st.

    Of course, you can choose to pay for your transactions even before your bill is generated. You can do so by logging into your account via our website or app.

  • How is Simpl safer than cards and other modes of payment?

    When you buy online, you have to carefully enter all your details every time. Sadly, this complicated verification process only gives you the illusion of security. In reality, the chances of fraud go up every time you share information over the internet.

    With Simpl, your payment details are never passed to the merchant. By drastically reducing the number of times you give out your banking data online, we drastically reduce the chances of fraud! :)

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