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Fast-track your happiness today

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Only 2 documents
needed

Only two documents required to process your loan

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No credit history
required

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

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Affordable
loans

Easy EMIs starting at 0% rate of interest*

No hidden charges
No hidden
charges

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
  • Pocket Insurance
    Pocket 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

on-time

One-time submission of your KYC documents

Free Early Repayment

Pre-close the loan account anytime with no extra cost

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Be prepared for Medical Emergencies

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

Premium Financing

Option to pay premium in Easy EMIs**

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

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Secure your future with Pocket Insurance Plans

Choose and create your plan and get covered through our trusted Insurance partner

Hospital Cash Allowance

Benefit of Rs.1000 per day of hospitalization

Accidental Hospitalization

Benefits up to Rs. 50k in case of hospitalization due to accident

Critical Illness Cover

Lumpsum benefit of Rs. 1 lakh on 17 Critical Illnesses

Personal Accident Cover

Benefit of Rs. 1 lakh in case of Accidental Death or Permanent Total Disability

Know More

EMI Calculator

Big offers for big dreams

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  • personal

    Personal Loan offer

    Instant personal loan for your small needs or big celebrations

    CHECK ELIGIBILITY  
  • Up to 20% discount
    samsung offer

    Samsung Easy EMI offers

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

    BUY NOW  
  • Vi<sup><small>TM</small></sup>

    ViTM bundled offer

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

    APPLY NOW  
  • gift

    Last EMI free with Gift Pay

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

    APPLY NOW  
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Get more with Home Credit's value-added services

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  • 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

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  • screen

    ScreenGuard

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

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  • extended warranty

    Extended Warranty

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

    KNOW MORE
  • mobile protect

    Mobile Protect

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

    KNOW MORE
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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
offers
Repay your EMIs easily
Access your loan
details on-the-go
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Why choose us

Quick, easy & convenient loans for everyone
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No credit history
required

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

Instant <br> approvals
Instant
approvals

Get your loan request approved instantly

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Convenient
repayment modes

Pay online, on app or authorized collection centres

hidden charges
No hidden
charges

Transparent terms & conditions for your peace of mind

Trust of our 1 crore customers
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  • 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