Fast-track your happiness today

Only 2 documents

Only two documents required to process your loan

No credit history

Get a loan from us even if you have never taken one before


Easy EMIs starting at 0% rate of interest*

No hidden charges
No hidden

Transparent terms & conditions for your peace of mind

Still have some questions?
Check out our FAQs section for more information

No credit history? No problem
We welcome first-time borrowers

  • 0% interest rate*
    mobile phones
    Mobile Phone on EMIs
  • HA
    Home Appliances on EMIs
  • personal loan
    Personal Loan
  • ujjwal card
    Home Credit Ujjwal Card
  • health insurance
    Health Insurance
  • two wheeler
    Two Wheeler Loan

EMI Calculator

EMI Calculator

EMI Calculator

ujjwal card

Go cashless with Home Credit Ujjwal Card

Get up to ₹ 50,000 pre-approved credit limit

Shop conveniently across 29,000 partner shops with Home Credit Ujjwal Card

Down Payment

Now buy the product of your choice with Home Credit Ujjwal Card and enjoy the benefit of easy repayments

Instant Limit

Enjoy the convenience of pre-approved limit of ₹ 50,000


One-time submission of your KYC documents

Free Early Repayment

Pre-close the loan account anytime with no extra cost

Be prepared for Medical Emergencies

Insure yourself & your loved ones with Health Insurance plans from our partners

24x7 Customer Helpline

24x7 Customer Helpline

In-patient hospitalization coverage

In-patient hospitalization coverage

Cashless facility

Complete Peace of Mind with Cashless facility

Multiple Procedures covered

Multiple Day Care procedures covered

EMI Calculator

Big offers for big dreams

  • |
  • personal

    Personal Loan offer

    Instant personal loan for your small needs or big celebrations

  • Up to 20% discount
    samsung offer

    Samsung Easy EMI offers

    Up to 20% off on the latest Samsung products.
    Instant Online Approval | Home Delivery

  • vodafone

    Vodafone bundled offer

    Get a 4G smartphone along with the Vodafone Unlimited Pack at just ₹ 799/-. Pay the rest in Easy EMIs

  • gift

    Last EMI free with Gift Pay

    Pay your smartphone EMIs on time, and the last one will be a gift from our side

Get more with Home Credit's value-added services

  • |
  • home credit india

    Safe Pay

    Enjoy peace of mind with our unique bundled offering to help you cover your loan repayment in case of Emergency

  • screen


    With 12 months of protection against screen damage, expensive repairs will now be a thing of the past

  •  extended warranty

    Extended Warranty

    Enjoy coverage against manufacturing defects for up to one year after manufacturer’s warranty

  • mobile protect

    Mobile Protect

    Protect your phone from breakage and liquid damage with Home Credit’s Mobile Protect

Your loan in your pocket

Your loan in your pocket

Home Credit Mobile App – easy to install, easy to use

Apply for a personal
loan instantly
Discover exclusive
Repay your EMIs easily
Access your loan
details on-the-go

Why choose us

Quick, easy & convenient loans for everyone
No credit history

Get a loan from us even if you have never taken one before

Instant <br> approvals

Get your loan request approved instantly

repayment modes

Pay online, on app or authorized collection centres

hidden charges
No hidden

Transparent terms & conditions for your peace of mind

Trust of our 1 crore customers
  • |
  • customer

    "Maine apne dono phone Home Credit se finance karvaya hai. Process bhut aasaan hai, main Home Credit ke sath juda rahunga aur friends ko recommend krta rahunga."

    - Nitesh Jain

    Purchased: Mobile Phone Watch Video
  • customer-2

    "EMI aaraam se pay  kar sakte hain app ke saath, bina kisi problem ke."

    - Sonu Mehta

    Purchased: Mobile Phone Watch Video
  • Resham Devi

    Maine 2 mobile aur 1 fridge liya, aur aage aur bhi lene wali hoon. Maine home credit ke easy terms ke sath apni zarooratein aasani se poori ki

    - Resham Devi

    Purchased: Home Appliances Watch Video
  • peer hasan

    "Jaise bola tha, ussi hisab se EMIs mili. Maine Home Credit ke convenient EMI plans ke saath apne manpasand phones liye, bina kisi problem ke."

    - Peer Hasan

    Purchased: Mobile Phone Watch Video
  • tarun jaiswal

    "Home Credit ke saath apni zaroorat ki cheez khareed sakte hain aur easily pay kar sakte hain."

    - Tarun Jaiswal

    Purchased: Mobile Phone Watch Video
All your favorite brands available
  • |
  • vivo
  • oppo
  • samsung
  • LG
  • MI
  • Nokia
  • techno
  • haier
  • Whirlpool