Quick, easy & convenient loans

Get loan from Home Credit, even if you do not have a credit history

Quick, Easy & Convenient Loans

Only 2 Documents Required

  •  Any <font color='red'>ONE</font> of the below documents

    Any ONE of the below documents

      • PAN Card1
      • Form 60 (with one proof)
  • Any <font color='red'>ONE</font> of the below documents

    Any ONE of the below documents

      • Voter ID
      • Passport2
      • Driving Licence2
      • NREGA3 Job Card
      • NPR Letter4
      • Masked Aadhaar
  • PAN is compulsory for all loans
  • Expiry of the Passport/Driving License should not be within three months of application
  • Issued by NREGA duly signed by an officer of the State Government
  • Issued by the National Population Register containing details of name & address

In certain cases, additional income proofs/documents may be required. For two wheeler loan applications, additional proofs of income & hypothecation documents may be required.

Eligibility Criteria

Eligibility

  • Applicant should be an Indian Citizen between 19 to 65 years of age
  • Applicant should have a valid identity and address proof
  • Should have an active source of income
  • Should have a gap of 90 days between 2 Home Credit Applications
Loan Amount Up to ₹ 60,000
Loan Term Up to 26 months
Minimum advance cash/
Down payment
0% - 40% depending
on commodity price

Fees & Charges
Eligibility

  • Applicant should be an Indian Citizen between 19 to 65 years of age
  • Applicant should have a valid identity and address proof
  • Should have an active source of income
  • Should have a gap of 90 days between 2 Home Credit Applications
Loan Amount Up to ₹ 1,00,000
Loan Term Up to 24 months
Minimum advance cash/
Down payment
0% - 40% depending
on commodity price

Fees & Charges
Eligibility

  • Should be an Indian Citizen with minimum age of 18 years and maximum age of 69 years
  • Should have a valid ID proof and address proof
  • Should have an active bank account
  • should be salaried or self-employed, drawing a fair income
  • Maximum loan amount up to ₹ 2,40,000
Loan Amount Up to ₹ 2,40,000
Loan Term Up to 51 Months
Minimum advance cash/
down payment
NA

Fees & Charges
Eligibility

  • Applicant should be an Indian Citizen between 18 to 65 years of age
  • Application should have a valid PAN Card
  • Applicant should have a valid address proof

Fees & Charges
Eligibility

  • Applicant should be an Indian Citizen between 19 to 65 years of age
  • Applicant should have a valid identity and address proof
  • Should have an active source of income
  • Should have a gap of 90 days between 2 Home Credit Applications
Loan Amount Up to ₹ 1,20,000
Loan Term Up to 36 Months
Minimum advance cash/
down payment
20% - 25% depending
on commodity price

Fees & Charges

FAQs

Can a person with no credit history apply for a loan?

Yes, an Indian citizen with an active source of income can avail Home Credit Loans even without a credit history

Can a retired person apply for a loan?
Can an existing Home Credit customer apply for an additional loan?
What is the maximum amount I am eligible to avail?
How can I make part payments against my EMIs?
How do I change my EMI due date?
How do I check the status of the payments I have made?
How many products can I buy in a single transaction?
When would I be levied late payment charges on my loan?
How can I foreclose my loan?