CarePay: Smart Personal Loan & Payment Solutions

The new CarePay app makes managing personal loans and payments easy.

+40%

Increase in merchant profitability

12h

Average approval time

2k+

Clinics reachable via partners

$100Mn+

Yearly Transactions on platform

CarePay App

Key Features:

  • Loan Amounts: ₹3000 to ₹100,000
  • Repayment Terms: 120 to 180 days
  • Low Interest Rate: 0.05% per day
  • Service Fee: Just 1% on loan amount

Loan Example:

Loan Amount: ₹100,000
Repayment Term: 180 days
Interest Rate: 0.05% per day
Service Fee: 1%
You Receive: ₹99,000
You Repay: ₹109,000
IRR: 18.25%
Max APR: 19.25%

Lender: Findoc Finvest (P) Ltd
Lender Website: https://findocfinvest.com/

CarePay App Store

Flexible Personal Loans for Healthcare

Don't let finances delay your treatment. Get instant personal loans tailored for your medical needs.

High Approval Rates

Our AI-driven engine looks beyond just credit scores to approve more patients for the care they need.

Flexible Tenure

Choose repayment plans from 3 to 24 months. No hidden charges, just transparent EMIs.

Instant Disbursal

Funds transferred directly to your clinic or bank account within minutes of approval.

Complete Product Suite

End-to-end healthcare payment infrastructure powered by AI

Pay-in-Parts

Zero-cost EMI & Non-EMI split-pay; Paylink, QR, or embedded POS. TAT is 59 seconds.

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Careena AI

Patient-first assistant that collects docs, validates, and completes LOS/LMS in chat.

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Oculon

Alternative-data-aware credit/risk engine + rules studio; approvals that balance speed with safety.

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Reconcile

Automated reconciliation, payouts, and ledgers matched to procedures and providers.

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HopeGuard

Insurance add-ons; IVF pilot with pharma partner (2-cycle variant).

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Instant Care Checkout

End-to-end chat checkout in Careena with seamless payment integration.

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How It Works

Four simple steps from patient onboarding to fund settlement

Patient on-boarding by Careena AI

Careena AI collects patient information and treatment details

Oculon scores; lenders return offers

Real-time risk assessment and instant offers from our lender marketplace

Patient chooses EMI/non-EMI

KYC + e-mandate completed seamlessly in chat interface

Funds settle; Reconcile handles payouts

Automated reconciliation and payouts matched to procedures

Security & Compliance

Enterprise-grade security and regulatory compliance you can trust

SOC 2 & ISO 27001

Controls in place, audits underway

Encryption

Data encrypted in transit and at rest

RBI/PCI-DSS Aligned

Compliant PG flows with audit trails

Data Minimization

Explicit consent and privacy-first approach