Refer & Earn: LenDenClub Referral Program
Grow your money while helping friends get started! Invite your friends to join LenDenClub, and both of you earn rewards when they complete their first lending. Starting 11th September 2026, our Referral Reward Program offers even bigger rewards the more friends you invite.
Terms & Conditions
Eligibility
- Open to all registered LenDenClub users.
- Referrers and referees must be 18 years or older.
Referral Rewards
For New Referrers (making your first referral on or after 11th September 2026)
- 1st successful referral: ₹500
- 2nd successful referral: ₹750
- 3rd successful referral onwards: ₹1000 each
For Existing Referrers (who referred before 11th September 2026)
- Every referrer gets a fresh start under the upgraded program. Any successful referral completed on or after 11th September 2026 will be counted as your 1st referral, giving you a fresh opportunity to unlock the higher reward tiers all over again – regardless of how many successful referrals you made earlier.
- If you referred a friend before 11th September 2026 and they haven’t completed their first lending yet, their referral can still qualify – their first lending will simply need to be ₹5,000 or more (fully disbursed) under the updated program.
- Any cashback you’ve already earned before 11th September 2026 will be settled as per the existing program terms and is not affected by this update.
Referee Reward (11th September 2026 onwards)
- Referees earn ₹500 upon completing their first lending of ₹5,000 or more.
Important Note:
- It is mandatory for the referred user to apply the referral code at the time of signing up. If sign-up is completed without applying the referral code, the referral will not be linked, and neither the referrer nor the referee will be eligible for the referral reward.
- A referral is considered successful only when the referred user’s first lending of ₹5,000 or more is fully disbursed.
- If the referred user’s first lending amount is less than ₹5,000, or if the full amount does not get disbursed for any reason, it will not be considered a successful referral, and the transaction will be ineligible for referral rewards. There is no provision to qualify at a later stage by lending an additional amount.
How to Refer a Friend?
- Open the LenDenClub app and navigate to the “Refer & Earn” section.
- Click “Invite Now” to generate your unique referral code.
- Share the referral code via WhatsApp, SMS, email, or social media.
- Your friend may sign up using the shared link; however, the link may not always apply the code automatically. To ensure it’s linked correctly, please ask your friend to manually enter the referral code during sign-up.
Reward Distribution
- Rewards will be credited within 3-5 working days after a successful referral.
- In the event of a processing failure, the cashback will be retried and credited within an additional 3-5 working days.
- Rewards are credited as cash directly to your linked primary bank account in the app after a successful referral.
- You must be fully onboarded with an updated bank account. If your account is not added or updated, rewards cannot be credited. You can update this in the Account> Manage Bank account section.
- Rewards are non-transferable and cannot be exchanged outside the platform.
Previous Referral Program Periods
- From 4th October 2025 to 10th September 2026: Referrals made during this period fall under the following guidelines – Referrer: ₹100 (1st referral), ₹200 (2nd & 3rd referrals), ₹300 (4th referral onwards); Referee: ₹100 on first successful lending of ₹1,000 or more.
- From 1st September 2025 to 3rd October 2025: Referrals made during this period fall under previous program guidelines i.e. ₹100 to both referrer and referee on the first successful lending of ₹100 or more.
Important
- Any fraudulent activity or misuse of the program will result in immediate disqualification and forfeiture of rewards/cashback.
- LenDenClub reserves the right to modify, suspend, or terminate the referral program, rewards, or timelines at any time without prior notice.
- Participation constitutes acceptance of these T&Cs. In case of disputes, LenDenClub’s decision is final and binding. All terms are governed by Indian law.