Fintech Debt Relief

Settle Your Northern Arc Loans

Received a notice from Northern Arc for a loan you took on an app? Don't panic. We help you negotiate a legal One Time Settlement (OTS) and save up to 50%.

Start Settlement +91-8700343611

Why Choose Us?

  • Stop Harassment Calls
  • Legal Notice Handling
  • Up to 50% Waiver
  • Official OTS Letter

Understanding Northern Arc Capital

Northern Arc Capital is a premier Non-Banking Financial Company (NBFC) in India. While they do lend directly, they are more famous for being the "Lender Behind the Apps".

If you took a loan from apps like Slice, Uni Cards, KreditBee, or other BNPL platforms, the actual money often comes from Northern Arc. That is why, when you default, the legal notice and CIBIL reporting come from Northern Arc, not just the app.

The "Hidden Lender" Reality

The App (Frontend)

You download an app, upload KYC, and get money. You think the app is the lender. They handle the UI and initial collection.

Northern Arc (Backend)

They provide the funds. Legally, you signed a loan agreement with them. They have the power to file cases and report to CIBIL.

Note: Settlement must be done with Northern Arc to be valid. Paying the app's collection agent without a proper letter is risky.

Why Opt for Settlement?

Waive Penalties

Northern Arc charges heavy late fees. Settlement wipes these out completely.

Avoid Litigation

Stop arbitration and Section 138 cases before they become court decrees.

Stop Harassment

Our legal intervention stops the aggressive calls to you and your contacts.

Are You Eligible?

Settlement isn't for everyone. It's for those in genuine financial distress.

Job LossMedical EmergencyBusiness FailureSalary DelayHeavy Debt Burden

How We Settle Your Loan

01

Consultation

We analyze your loan documents and financial situation.

02

Legal Notice

We send a representation letter to Northern Arc to stop harassment.

03

Negotiation

We bargain with the central team for the lowest possible amount.

04

Closure

You receive the OTS letter, pay the amount, and get the NDC.

Required Documents

  • Loan Account Statement
  • PAN Card Copy
  • Any Legal Notice Received
  • Proof of Income Loss (Termination letter, etc.)
  • Bank Statement (Last 3 months)

Client Stories

"

"I took a loan from Uni Cards. When I couldn't pay, Northern Arc sent a notice. I was scared. AMA Legal handled it and closed the loan for 45% of the amount."

A

Ankit Verma

Software Engineer, Bangalore

"

"The calls were non-stop. They called my office. AMA Legal sent a notice and the calls stopped within 48 hours. Highly recommended."

S

Sneha R.

Marketing Exec, Mumbai

Got Questions?

Frequently Asked Questions

Everything you need to know about settling your loan with Northern Arc Capital.

Northern Arc Capital is a major NBFC that partners with many fintech apps and digital lenders (like Slice, Uni, KreditBee, etc.) to provide the actual loan capital. Even if you applied through an app, Northern Arc might be the official lender on record, making them responsible for recovery and legal notices.
Yes. Since Northern Arc is the regulated lender, the settlement agreement must ultimately be with them. We help you bypass the third-party recovery agencies and negotiate directly with Northern Arc's central team for a One Time Settlement (OTS).
Settlement amounts vary based on your delinquency period (how long you haven't paid) and your financial hardship. Typically, we aim to waive off 100% of the late fees and penal interest, and negotiate a discount on the principal amount, often settling for 40-60% of the total outstanding.
Northern Arc takes legal compliance seriously. They may initiate arbitration proceedings or file cases under Section 138 (if cheques/NACH bounce). However, they are also open to resolving matters amicably through settlement to avoid long litigation costs.
Yes, as an RBI-registered NBFC, they report all payment behaviors to credit bureaus (CIBIL, Experian, etc.). A default will severely damage your score. A settlement will mark the account as 'Settled', which stops further damage and allows you to rebuild your score later.
Yes. Once you hire AMA Legal Solutions, we send a legal representation letter to Northern Arc. This legally compels them to direct communication to us, significantly reducing the harassment and calls you receive.
Yes, we can consolidate your case handling. If you have loans from different apps where Northern Arc is the lender, we can approach them for a comprehensive settlement strategy.
Ideally, yes. OTS (One Time Settlement) works best with a lump sum payment. However, for larger amounts, we can negotiate a payment plan spread over 2-3 months, though this might slightly reduce the discount percentage.
The settlement letter MUST come from Northern Arc Capital or their authorized collection agency on official letterhead. We verify the authenticity of this letter before you make any payment to ensure you are not being scammed.
Common documents include bank statements showing low balance, termination letters, medical reports, or proof of business loss. These help us build a strong case to justify why you deserve a waiver.
Northern Arc is generally professional and quick with decisions. Once we submit a complete proposal, we can expect a response within 10-15 working days.
Immediately after settlement, it will be difficult to get unsecured loans. However, you can take secured loans (against gold or FD) to rebuild your credit score. After 1-2 years of good financial behavior, you can become eligible for normal loans again.
Do not ignore it. An arbitration award has the same power as a court decree. Contact us immediately so we can represent you in the arbitration proceedings and simultaneously push for a settlement.
NBFCs charge high penal interest and daily late fees. It is not uncommon for the debt to double in 6-12 months. Settlement is the only way to remove these inflated charges and pay a fair amount.
No, we are an independent legal firm representing YOU, the borrower. We fight for your rights and negotiate the best possible deal for you against the lender.

Don't Let Debt Define You

Take the first step towards financial freedom. Legal, safe, and effective settlement.

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We Serve All States & Union Territories

Our loan settlement services are available across all states and union territories in India