Borrow

Borrow together.Grow together

Have a low credit score?Borrow with someone you trust.

Higher limit  ·  Lower interest  ·  Improve credit score

Why choose Co-Borrow?

We’ve made borrowing easier. Here’s how.

Unlocking higher limit

Two credit profiles combine into one stronger case, getting you a higher credit limit.

100% digital, verified in minutes

Zero paperwork, no branch visits. Everything happens right inside the app.

Build credit, together

Timely repayment on a shared loan can help strengthen both of your credit scores over time.

How it works

  1. 1

    Do your KYC

    Complete your PAN, Aadhaar and a quick face check to verify your identity.

  2. 2

    Add co-borrower details

    Add their details and send an invite via App. They get it instantly on WhatsApp and SMS.

  3. 3

    Set roles and EMI splits

    Enter your loan amount and choose how the EMI will be shared, then send it for your co-borrower's approval.

  4. 4

    Get the funds

    Once your co-borrower approves, the full amount is disbursed straight into your account.

Co-borrower invitation form
Borrower620Credit Score750Credit ScoreSis760Credit ScoreColleague820Credit ScoreFriend780Credit ScoreAunt

Your network is your credit line

Borrow with someone you trust and bring your credit profiles together. Co-Borrow makes it easier to access a higher loan limit with the people already in your corner. A sibling, a friend, a colleague. Anyone you trust.

Because borrowing together can mean borrowing better.

Frequently asked questions

Get in touch

Need help? We are here to support.

Need help with onboarding,
requests, or repayments?

+91 92667 66886contact@third-unicorn.com
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Response TimeWe typically reply within one business day

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Customer SupportQuestions about requests, payments, or next steps

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Our Lending Partners

Regulatory disclosure : Co-Borrow operates as a digital lending platform in compliance with the Reserve Bank of India (RBI) Digital Lending Guidelines. Loans are originated and sanctioned by our RBI-registered lending partner; Co-Borrow acts as a Lending Service Provider (LSP) to facilitate the joint loan process. Full partner details, interest rates and RBI registration information are shared in the Key Fact Statement (KFS) and Loan Agreement before you accept a loan, along with the Shared Responsibility disclosure both borrowers sign.

Ash Grove Capital Private Limited

RBI Registered NBFC · Lending Partner

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