Home Credit: Personal Loan App

Home Credit is one of India's fastest-growing personal loan apps, trusted by over 1.7 Crore happy customers. With its instant approval, quick disbursal, and fully online application process, Home Credit offers hassle-free personal loans of up to ₹5,00,000 for all your financial needs.

Explore the Features & Benefits of Our Personal Loan App

Instant Loan Approval: Get your personal loan approved within just 5 minutes on our user-friendly loan app.

Quick Disbursal: Once approved, your loan gets disbursed directly to your bank account, ensuring swift access to funds.

Trusted Loan App: Home Credit is a trusted RBI-registered NBFC, serving millions of satisfied customers.

Minimal Documentation: Apply for a cash loan with just two documents—your PAN card and an address proof.

100% Safe & Secure: Enjoy complete transparency and security with no hidden charges, ensuring a worry-free borrowing experience.

Flexible Repayment Options: Repay your loan EMIs conveniently with our multiple repayment methods tailored to suit your financial needs.

Personalized Loan Solutions: Get instant loans for all your financial needs, such as medical emergencies, home renovation, higher studies, travel, or wedding expenses.

Why Choose the Home Credit Personal Loan App?

User-Friendly: Designed for ease of use, making the application process straightforward.

Trusted by Over 1.7 Crore Happy Customers: Proven reliability with a high satisfaction rate.

4.4-Star Rating on Google Play Store: High user ratings reflecting positive customer experiences.

How to Apply for an Instant Personal Loan?

Download the Home Credit Personal Loan App: Available on the Google Play Store.

Submit Your Details: Complete the registration process with your personal information.

Upload Your KYC Documents: Provide your PAN card and address proof.

Enjoy Instant Approval: Get your loan approved quickly and the funds disbursed directly to your bank account.

Eligibility Criteria for Home Credit Personal Loan

Indian Citizen: Applicants must be citizens of India.

Age Requirements: Between 18 and 60 years old.

Employment Status: Should be a salaried employee, pensioner, or self-employed individual.

Existing Customer: Must have previously availed products like Ujjwal EMI Card, Consumer Durable Loans, Personal Loans, or Flexible Personal Loans from Home Credit.

Documents Required to Apply for an Instant Personal Loan

PAN Card: Proof of identity.

Address Proof: Verification of residence.

Personal Loan Features

Loan Amount: Up to ₹5,00,000.

Minimum Annual Percentage Rate (APR): 19.5%.

Repayment Period: Minimum tenure of 6 months.

Value-Added Services: Additional fees for optional services.

Safe Pay Services: Benefits include payment holidays, free early repayment, life insurance, and health services.

Representative Example

Loan Amount: ₹70,000

Tenure: 24 months

Interest Rate: 32%*

EMI: ₹3,986/month

Processing Fees: ₹2,730*

Total Amount Payable: ₹95,672

> *Annual interest rates vary based on the customer's risk profile. Maximum APR can go up to 44%. Figures are indicative and subject to change.

Introducing the Ujjwal EMI Card

Home Credit India also offers the Ujjwal EMI Card, enhancing your shopping experience both online and offline.

Ujjwal EMI Card Features

Easy EMIs: Shop online and offline with easy EMI options.

Instant Pre-Approved Limit: Up to ₹75,000.

No-Cost EMI Options: Available on the Home Credit Personal Loan App.

Flexible Payment Modes: Options include auto debit, UPI, net banking, and debit cards.

Digital Loan Process: 100% digital and streamlined for user convenience.

At Home Credit, we prioritize the safety and privacy of our customers. We use world-class security and privacy standards to protect your data, ensuring a secure borrowing experience. All information requested by Home Credit is used solely to generate the best offers for you.