Verification link has been sent to sundars@krazybee.com

Shop anything
on EMI

Recharge your wallet

Shop online with KrazyBee PayCard

register

+91
Referral Code

login

+91 Change?
Forgot?
OTP Sent Resend

register

+91 Change?

OTP Sent to mobile

Resend

Welcome to KrazyBee

Continue with Facebook register using email/mobile Login using email/mobile

By clicking on Continue or Login or Register with email, I agree to KrazyBee's Terms & Conditions and Privacy Policy

Hi, Buddy

Your registration was successful

You can do whole lot more with KrazyBee

get started

Hi, Buddy

You have successfully linked your account

continue

Hi, Buddy

Sign Up successful!

Email is not same as registered email on KrazyBee. Would you like to update your email?

update email No, I will update later

For eg: http://www.flipkart.com/redmi-note-3/p/itmeg3zzcbhxcdge?pid=MOBEG3ZZSGZD7WX8

RECHARGE PAYTM WALLET

paytm icon

Choose an amount to recharge

500 2000

You have chosen to add of available credit

LOGIN to continue

paytm icon

Terms of service

I understand and agree that by placing this order, I am availing a Loan from KrazyBee and agree to the detailed terms and conditions below. The summary of the key points are as below:


(a)

I allow KrazyBee to perform an enquiry with any Credit Bureau.

(b)

I am eligible to repay the loan value from my KrazyBee account.

(c)

I am liable to pay any penalty fees (upto Rs 10 per day's delay per loan).

(d)

If I sign NACH form, I allow KrazyBee to do auto debit from my account. I am liable to pay the NACH bounce penalty if I did not have enough balance in my account.

(e)

KrazyBee holds no further liability once the order is delivered.

(f)

KrazyBee is also not legally liable for the uses of the fund by you towards any fraudulent activity or any transactional loss incurred by you during the fund usage. Irrespective of the usage of funds, I am liabile to pay the EMIs as expected.

I also understand and agree to the KrazyBee Terms and Conditions as applicable. I also agree to the detailed agreement details below:


1

This Customer Loan Facility Agreement (“Agreement”) is being executed on the date mentioned in the Schedule hereto, by and amongst:

2

The Customer (as defined in the Schedule); and

3

The Intermediary (as defined in the Schedule).

The Lender, the Customer and the Intermediary shall also be referred to individually as a “Party” and collectively as the “Parties”.


WHEREAS:


The Intermediary is a marketplace, which facilitates in providing loans based on the details provided by the Customer. Through the Intermediary, Customer has applied to the Lender for a loan facility in connection with the purchase of the product(s) and/or the service(s) as requested by the customer in the form of an order in https://www.krazybee.com/ (Website). The Lender has agreed to grant the loan to the Customer on the basis of the documents and information provided by the Customer to the Intermediary, and on the terms and conditions mentioned herein. Further, Customer understands that every loan request shall be assessed individually, at the Lender’s sole discretion and the final disbursement amount shall be based on the Lender’s internal policies and eligibility criteria applicable to the Customer. The Customer specifically acknowledges that the Intermediary has been authorized by the Lender to undertake certain specified actions for and on behalf of the Lender in connection with this Agreement.

THE PARTIES HEREBY AGREE AS FOLLOWS:


1.Key Terms

1.1

Based on the documents and information provided by the Customer and solely relying on such documents, information and the Customer’s representations, the Lender hereby agrees to lend to the Customer, an amount up to 2 lakh based on the loan product and the eligibility of the Customer(and in one or more tranches) in connection with the purchase of the product(s) and/or procurement of the service(s) as requested by the customer in the form of an order in the Website. The Loan shall be availed for the personal use of the Customer, and shall not be used for any other purpose.

1.2

This Agreement shall become effective from the date of the disbursement of the Loan and continue to operate until the Lender having, to its satisfaction, received all payments and dues, and required to be made by the Customer hereunder to the Lender. In addition to the terms and conditions of this Agreement, the Customer shall also abide by the terms, conditions and guidelines issued by the Lender and/or the Intermediary from time to time on the website https://www.krazybee.com/terms-condition (“Online Terms and Conditions”). The Online Terms and Conditions shall form an integral part of this Agreement. The Customer shall acknowledge the receipt of the Loan, and the disbursements there under in the manner sought by the Lender and/ or the Intermediary (including on the Website).

1.3

The Loan shall be provided by the Lender to the Customer solely based on the data, information and documents provided by the Customer to the Lender and/ or the Intermediary. In this regard, the Customer agrees and acknowledges that the Lender and/ or the Intermediary shall have access to all such data, information and documents of the Customer at all times, and shall be entitled to utilize the data, information and documents in connection with the processing of the Loan and servicing of the Loan and customer and credit analytics, including specifically for credit scoring purposes.

1.4

The Lender may also provide the Customer, based on the needs and request of the Customer, the convenience of drawing the Loan in multiple tranches. The terms and conditions under this Agreement shall be applicable for each of the tranches being disbursed to the Customer. Further, an additional disbursement and repayment schedule will be available in the Website, which will also form an integral part of this Agreement.

1.5

The Loan may be disbursed by the Lender directly to the third party vendor or service provider in connection with the specified end use of the Loan or disbursed as per any other acceptable means in the discretion of the Lender, including as advised by the Intermediary on this account. However, in any case, the Customer agrees and acknowledges that the Intermediary is not a lender in connection with the Loan, but only an authorized representative of the Lender in the manner provided under this Agreement.

1.6

The Loan shall ordinarily carry an effective interest at the rate of 1.4% flat rate per month for eCommerce loans, 1.9% flat rate per annum for PayCard loans and 5% flat rate per annum for Paytm loans (or such other interest rate applicable as notified to the Customer from time to time), with the interest being calculated and compounded on the outstanding balance as per the time periods specified therein. The Customer hereby acknowledges that in addition to the interest on the Loan, the Customer shall also be obliged to pay the additional fees and charges as mentioned in this agreement and as may be notified to the Customer from time to time, including the processing fee towards the disbursement of the Loan, ECS, and rollover fees. Any tax or charges on services shall be charged by the Lender and/or the Intermediary over and above the interest, fees and penalties payable by the Customer. The repayment installments shall factor all taxes and charges, and be adjusted accordingly. Any new taxes or charges or modifications to any taxes or charges shall be paid by the Customer to the Lender, effective from the date of levy of such taxes or charges.

1.7

The security, if any, shall be provided in the manner provided in the Schedule. The Customer shall execute any bonds, promissory notes and provide such other security for the Loan and provide all documents, undertakings and agreements as may be required by the Lender and/ or the Intermediary towards securing the Loan in favor of the Lender. Each such bond, promissory note or such other security provided by the Customer shall represent separate and independent securities by the Customer towards the Loan.

1.8

Additionally, the Customer shall be liable for all amounts due and all costs and expenses that may be incurred by the Lender or the Intermediary or their agents for enforcing this Agreement or for undertaking any recovery proceedings with respect to the Loan.

1.9

The Customer acknowledges that neither the Lender nor the Intermediary shall be responsible for the quality, quantity, merchantability, delivery, non-delivery, delayed delivery of and/or any form of risks or dissatisfaction associated with the product(s) and/or service(s) procured by the Customer through the Loan. In this regard, the Lender and the Intermediary disclaim all warranties, express or implied, written or oral, including, but not limited to, warranties of merchantability, delivery, fitness or quality with respect to the product(s) and/or service(s) being procured by the Customer utilizing the Loan. Any and all disputes of whatsoever nature whether in relation to the product(s) and/or service(s) shall be a dispute dealt with directly by and between the Customer and the third party vendor or service provider, and neither the Lender nor the Intermediary shall be a party to such disputes.

2. Payments and Pre-Payments


2.1

The Customer shall repay the Loan, and the interest payable thereon, in installments as per the repayment schedule specified in the Website. Any repayments can be paid by the Customer as per the payment options provided on the website at https://www.krazybee.com/; and any prepayments will attract the pre-payment charges as per Clause 2.5 below.

2.2

TAny dispute, including that relating to the interest computation, shall not entitle the Customer to withhold payments due to the Lender or demanded by the Lender and/or payment of any repayment installments.

2.3

The Customer agrees to issue necessary instructions to the Lender and/ or the Intermediary for the repayment of the Loan (wherever required) and will always ensure sufficiency of funds to meeting the Loan obligations along with the necessary interest thereon. The Customer hereby unconditionally and irrevocably authorize the Lender or the Intermediary to enforce any securities as mentioned under Clause 1.7 above, towards payment of the Loan amount due. The Customer acknowledges that the Lender and/or the Intermediary shall be entitled to send phone, message and e-mail alerts to the Customer regarding the Loan repayments. The Customer further acknowledges that such correspondences and intimations do not constitute unsolicited calls or do-not-disturb calls or communication, and the Customer shall not report any such correspondences and intimations as being in breach of applicable telecom and privacy laws and guidelines.

2.4

The Customer acknowledges that dishonor of the repayment of the Loan is a civil and criminal offence under the applicable law (including as per Section 138 of the Negotiable Instruments Act, 1881), and that the Lender shall be entitled to undertake necessary legal action to recover the amounts due to the Lender. Additionally, the Lender shall be entitled to report any defaults on part of the Customer in connection with the Loan to Credit Information Bureau (India) Ltd and/or to any other agency or body as authorized in this behalf by RBI to collect and share credit information.

2.5

The Customer may prepay any part of, or the entire outstanding balance of the Loan, subject to applicable charges as notified to the Customer from time to time, which may be imposed on the outstanding dues of the Customer. The pre-payment amounts will get adjusted towards penalties, statutory levies, service charges, interest, and principal amount outstanding, and in that particular order.

2.6

The Customer agrees and acknowledges that the Lender and/ or the Intermediary shall be entitled to call upon the Customer for pre-payment of all dues owed to the Lender in the event of any breach of the terms and conditions of this Agreement (including an Event of Default) or breach of any Online Terms and Conditions specified by the Lender or the Intermediary in connection with the Loan, in addition to seeking possession of the products procured by the Customer by utilization of the Loan.

2.7

The Lender shall have the right to recall the Loan at any time at its discretion, without assigning any reason whatsoever. Upon such recall, the Loan, the interest and all other amounts due and payable to the Lender shall become payable, and shall be paid by the Customer within 15 days from the date of such recall by the Lender.

3. Assignments by the Lender


3.1

The Customer expressly recognizes and accepts that the Lender shall, without prejudice to its right to perform such activities itself or through its officers or employees, be entitled and have full power and authority to appoint the Intermediary as its agent and delegate to the Intermediary, all or any of its functions, rights and powers under this Agreement. The Intermediary shall be entitled to delegate such of the functions delegated to it under this Agreement to other third parties under written intimation to the Lender.

3.2

Specifically, the Lender shall be entitled to delegate to the Intermediary: (a) administration of the Loan, including the right and authority to collect and receive any amounts due from the Customer under this Agreement and to collect any and all data and information required from the Customer in connection with the Loan; and (b) any other actions connected with this Agreement, including but not limited to, contacting the Customer, receiving payments from the Customer, giving valid and effectual receipts and discharge to the Customer and sending notices and undertaking actions in the event of a default by the Customer.

3.3

For the purposes aforesaid actions, the Lender shall be entitled to disclose to the Intermediary or its agents or any such third parties, all necessary or relevant information pertaining to the Customer and the Loan and this Agreement, and the Customer hereby consents to such disclosure by the Lender.

3.4

The Customer expressly recognizes and accepts that the Lender shall, without any intimation to the Customer, be entitled to sell and /or assign to any third party or person as the Lender may decide, the Loan and all outstanding dues under this Agreement, and on such terms as the Lender may decide. Any such sale or assignment shall bind the Customer, and the Customer shall accept the third party as its sole creditor or creditor jointly with the Lender, as the case may be, and in such event the Customer shall pay to the Lender or such creditor or assignee as the Lender may direct, all the outstanding amounts due from the Customer under this Agreement.

4. Customer's Undertakings


4.1

The Customer declares that the data and information furnished by the Customer to the Lender and/or the Intermediary under this Agreement and in any other document in connection with the Loan are true and correct.

4.2

The Customer further undertakes that the Customer shall provide all information, including information regarding other credit facilities enjoyed by the Customer, as and when required by the Lender and/or the Intermediary.

4.3

The Customer shall provide necessary security and/ or collateral in connection with the Loan and this Agreement. Further, if the Lender seeks for additional security or collateral as may be deemed reasonably necessary, then the Customer undertakes for provide such additional security and/ or collateral in favour of the Lender and within the timelines stipulated by the Lender.

4.4

The Customer declares and confirms that the Customer is not a party to any litigation and there are no factors or circumstances affecting the Loan, the security or the ability of the Customer to repay the Loan and other amounts due under this Agreement.

4.5

The Customer accepts, confirms and consents for the disclosure and sharing by the Lender, of all or any information and data relating to the Customer, the Customer's account, agreements, documents related to the Loan, including but not limited to, information relating to default, if any, committed by the Customer, in the discharge of the Customer's obligations under this Agreement to:
(a) the Reserve Bank of India (“RBI”),
(b) Credit Information Bureau (India) Ltd and/or to any other agency or body as authorized in this behalf by RBI to collect and share credit information,
(c) the and/or the Intermediary and any third parties appointed by the Lender and/or the and/or the Intermediary,
(d) other banks and lenders including assignees and potential assignees,
(e) professional advisers and consultants and to its service providers in relation to this Agreement,
(f) any other entity as may be required under law or any applicable regulation, a court of law, or any statutory, regulatory or supervisory authority.

4.6

The Customer shall promptly notify the Intermediary or to the Lender of any change in Customer’s contact details or any other details.
With respect to any data and information collected by the Lender and/or the and/or the Intermediary or shared by the Lender and/or the and/or the Intermediary, the Customer shall not hold them liable for use and share of the data and information and does hereby waive any rights available to them under law or equity provided that the same does not prejudicially affect the rights of the Customer.

5. Defaults and Remedies


5.1

The following acts or omissions shall constitute an Event of Default for the purposes of this Agreement:
(a) failure on part of the Customer to repay the Loan or any fees, interests, charges or costs in the manner herein contained, or any repayment installment for a period of 15 (fifteen) days from the date on which such amounts became due; or
(b) breach of any of the terms and conditions of this Agreement(as amended and notified from time to time) or the Online Terms and Conditions; or
(c) misrepresentation, fraud or omissions or furnishing of incorrect data and information to the Lender and/or the and/or the Intermediary; or
(d) declaration of insolvency; or
(e) involvement in any criminal offences; or
(f) failure to furnish documents and information required by the Lender and/or the Intermediary; or
(g) default or dishonor of any payment mechanism.

5.2

Upon the occurrence of any Event of Default, then notwithstanding anything contained herein, at any time after such occurrence, the Lender shall be entitled to call upon the Customer to:
(a) immediately (and in any case, within a period of 7 days thereof) repay the outstanding Loan together with interest and all other sums due and payable by the Customer to the Lender under this Agreement and/or any other documents or instruments between the Customer and the Lender, and
(b) pay all claims, costs, losses and expenses that may be incurred by the Lender because of any act or default on the part of the Customer with respect to the Loan and/or towards the recovery of the outstanding dues and/or on account of failure of the Customer of any of the terms and conditions herein.

5.3

Without prejudice to the above, the Lender shall have the right to proceed against the Customer under applicable law to recover the outstanding dues from the Customer. In this regard, the Customer shall, at all times, indemnify and keep the Lender and/or the Intermediary indemnified against all claims, costs, losses and expenses (including legal costs and expenses) that may be incurred by the Lender and/or the Intermediary on account of an Event of Default by the Customer.

5.4

On the occurrence of an Event of Default, the Lender shall be entitled to authorize its representatives and agents and third parties as appointed by the Lender to use the contact details provided by the Customer to get in touch with the Customer, and guarantors, if any, and communicate with the Customer and the guarantor, if any.

5.5

The Customer shall further indemnify and keep indemnified and hold harmless the Lender and the Intermediary, their officers, directors, employees and agents promptly upon demand at any time and from time to time, from any and all losses, liabilities, claims, demands, fines, penalties, costs and expenses (including legal costs and expenses) incurred or suffered by them:
(a) any breach of any of the Customer’s representations and warranties contained in this Agreement and the Online Terms and Conditions.; or
(b) breach of any of the Customer’s covenants, agreements or obligations contained in this Agreement and the Online Terms and Conditions. The indemnification rights of the Lender or the Intermediary under this Agreement are independent of, and in addition to, such other rights and remedies as they may have at law or in equity or otherwise under this Agreement, none of which rights or remedies shall be affected or diminished thereby.

6. Settlement of Disputes


6.1

Any differences or disputes or claims arising from this Agreement and/ or in connection with the Loan shall be first sought to be resolved by mutual discussions. However, the obligation to evidence that the interest and charges computation in connection with the Loan are incorrect shall be on the Customer.

6.2

If the Parties are unable to resolve the differences or disputes or claims amicably, then the Parties shall proceed to resolve the matter through an arbitration to be undertaken by a sole arbitrator. The Lender and/or the Intermediary shall be entitled to appoint an arbitrator for this purpose, provided that the arbitrator so appointed shall have no other business relationship with the Lender and/or the Intermediary.

6.3

The arbitrator shall be required to determine the matter in writing, and the award of the arbitrator shall be final and binding on the parties. The venue of such arbitration proceedings shall be either at Mumbai, Delhi or Bangalore or such other location as determined by the Lender and/or the Intermediary. The arbitration shall be undertaken in English only, in accordance with the Arbitration and Conciliation Act, 1996, the provisions of which are hereby incorporated by reference.

7.Limitation of Liability:


The Customer expressly understands and acknowledges that the Lender shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses, even if the Lender has been advised of the possibility of such damages.


8. Miscellaneous


8.1

Notices

The Lender and/or the Intermediary shall be entitled to contact and communicate with the Customer through phone, messages and e-mail and any other prevalent mode of communication, all of which shall be deemed to be an acceptable form of communication with the Customer. The Customer hereby expressly accords permission to the Lender and/or the Intermediary to contact and communicate with the Customer through phone, messages and e-mail in connection with the Loan. Any notices, requests, demands, claims and other communications provided for under the terms of the Loan may also be issued to the Customer through phone, messages and e-mail, and they shall be deemed as an acceptable means of service onto the Customer. Additionally, the Lender and/or the Intermediary shall also be entitled to communicate with the Customer at the postal address provided in the Website hereto or as otherwise disclosed to the Lender and/or the Intermediary. All notices, requests and other communications given in accordance with this Clause shall be deemed to have been duly received immediately upon receipt by the Customer. Any communication by the Customer with the Lender and/or the Intermediary shall be undertaken only as per the customer care details and postal address provided at the website https://www.krazybee.com/contacts

8.2

Term and Termination

This Agreement shall be effective from the date of the disbursal of the Loan and shall remain in effect until repayment of the entire Loan and all amounts in connection with the Loan by the Customer, unless earlier termination by the Lender. The Lender shall have the right but not the obligation to terminate the Loan and cancel the Loan, invoke the security and/or to accelerate the repayment and/or to recall the Loan and other payments or charges or any part of the same in the event the Customer commits any Event of Default.

8.3

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of India.

8.4

Waiver

Any term or condition of this Agreement may be waived at any time by the Party that is entitled to the benefit thereof, but no such waiver shall be effective unless set forth in a written instrument duly executed by or on behalf of the Party waiving such term and condition. No waiver by a Party of any term or condition of this Agreement, in any one or more instances, shall be deemed to be or construed as a waiver of the same or any other term or condition of this Agreement on any future occasion. All remedies, either under this Agreement or by applicable law or otherwise afforded, are cumulative and not alternative.

8.5

Amendment

The Lender and/or the Intermediaryshall have the discretion, without assigning any reason, to add/ delete or amend the terms of this Agreement or the Online Terms and Conditions under intimation to the Customer. Intimation of the amended terms by e-mail and/ or hosting the same on the website https://www.krazybee.com/ shall be construed as valid and effective intimation to the Customer, and as valid amendment to the terms of this Agreement or the Online Terms and Conditions. All changes in relation to interest rates, penalties and charges shall be effected only prospectively with respect to the Customer’s obligations.

8.6

Confidentiality

Each Party shall keep and maintain confidential all information contained in this Agreement and all data, information and materials provided to it by the other Party from time to time. The Lenderand/or the Intermediary, however, shall be entitled to disclose and share the data and information in the manner provided in this Agreement.

8.7

Assignment

The Customer shall not be entitled to assign or transfer any rights or obligations under this Agreement without prior written consent of the Lender. The Lender shall be entitled to assign any and all rights under this Agreement to any third party.

8.8

Severability

If any provision of this Agreement is rendered void, illegal or unenforceable in any respect under any law, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired. If any provision of this Agreement is or becomes unenforceable, then the Parties shall use reasonable endeavors to agree upon a new provision which shall as nearly as possible have the same commercial effect as the ineffective provision.

8.9

Severability

All clauses of this Agreement which by their nature survive termination of this Agreement including, the clauses relating to governing law, dispute resolution, event of default and remedies, dispute resolution and the Customer’s undertaking and confidentiality shall survive and continue in full force and effect after the termination of this Agreement.

8.10

Severability

The Customer shall be liable to pay any tax, stamp duty penalties, registration fees, penalties, legal expenses as may be incurred by the Customer or the Lender or the Intermediary, for performance of and/or enforcement of this Agreement.

8.11

Counterparts

This Agreement may be executed in any number of counterparts, each of which will be deemed an original, but all of which together will constitute one and the same instrument.


Schedule

Lender:

Chetana Financial Services Limited OR

PODS FinServ Private Limited OR

Samasta Microfinance Limited OR

Usha Financial Services Private Limited OR

India Infoline Limited OR

Krazybee Services Private Limited


Customer:

The owner of this KrazyBee account


Intermediary:

"KrazyBee" (Finnovation Tech Solutions Private Limited)

I agree to the KrazyBee order T&C including Refund, Returns and Replacement Policy

accept & continue

RECHARGE PAYTM WALLET SUMMARY

paytm icon
Recharge amount:
Recharge number: +91
Repayment:
Repayment period: 1 Month

Enter OTP

OTP SentResend

Please select preferred EMI date

paytm icon

COMPLETE YOUR PROFILE AND UPLOAD DOCS

We need to know you better for us to help you. Please complete your profile

FILL PROFILE
paytm icon

AMOUNT ADDED SUCCESSFULLY

has been added to your paytm wallet.

OK
paytm icon

RECHARGE PAYTM WALLET

Sorry
You have used up all the available credit limit of recharge for this month.

Kindly try after few days

paytm icon

RECHARGE PAYTM WALLET

Sorry
Paytm recharge is not available at this time.

paytm icon

ORDER SUCCESSFULLY PLACED AND SUBMITTED FOR APPROVAL

OK
paytm icon

YOUR PROFILE IS INCOMPLETE

Verify your profile for instant recharges. Complete your verification by uploading documents.

UPLOAD DOCUMENTS
paytm icon

WALLET NOT FOUND FOR THIS CUSTOMER

Take a moment to sign up on paytm to use this feature.

OK

Testimonials

Sugandhi Gupta

Presidency College, Bangalore

My experience with KrazyBee was an amazing one. I first discovered KrazyBee through a banner they had put up near my college and thought to myself that this is a great idea. Soon I ordered One Plus 3 via KrazyBee, and the phone got delivered to me in no time. The service KrazyBee is providing is top notch. It makes buying things online so much easier. Definitely going to recommend this to my friends.

Brijesh Bopanna

Acharya Institute of Technology, Bangalore

I bought my Microsoft Lumia 950 on Amazon via KrazyBee. It's a crisp & neat process overall. The profile creation process is very user friendly & the verification process is purely professional. A comprehensive platform specifically designed to meet a student's shopping requirements.

Aniket Anand

Christ University, Bangalore

KrazyBee is a blessing for college students today. I ordered a Samsung A5 last month via KrazyBee, and the process was absolutely seamless & lean. What I typically liked was the hassle-free manner of the entire process. Thanks to KrazyBee, I don’t have to rely on my parents any more, and it gives me a lot of freedom & independence in terms of making my own decisions.

Lathish Kumar

New Horizon College of Engineering, Bangalore

I bought my phone from KrazyBee some time back. My life has become easier with a better phone because of KrazyBee, as I don’t have to worry about the whole amount and just pay a small part very month. The 2 good things I see with KrazyBee is the simple procedure and the agile response from the team whenever you require any kind of a support.

Monica M Raju

NITTE Meenakshi College of Engineering, Bangalore

As a college student who is often broke, shopping online has become more exciting because of KrazyBee. It underlines the adage ‘A friend in need is a friend indeed’. The options available are many and flexibility with which money can be paid back is one of KrazyBee's highlight. Also, KrazyBee is making things much easier in terms of time and ease with which the purchase is approved & can be accessed.