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. Terms & conditions apply.

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 (EMI) Card
    Home Credit Ujjwal (EMI) Card
  • health insurance
    Health Insurance
  • Pocket Insurance
    Pocket Insurance
  • two wheeler
    Two Wheeler Loan

EMI Calculator

EMI Calculator

EMI Calculator

Ujjwal EMI card

Shop smart with Home Credit Ujjwal (EMI) Card

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

Shop conveniently online and also across 31,000 partner shops.

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

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

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

EMI Calculator

Big offers for big dreams

  • |
  • personal

    Personal Loan offer

    Instant personal loan for your small needs or big celebrations

  • 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

  • customer-2

    Last EMI free with Gift Pay

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

Get instant access to services specially curated for you!

  • |
  • 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

  • Wallet Security

    Wallet Security

    Protect your cards, m-wallets against theft or online/offline frauds.

  • Health Services

    Health Services

    Easy and affordable Health Services from the comfort of your home

  • Home Appliance Protection

    Home Appliance Protection

    Affordable and stress-free repairs for your home appliances. Unlimited repair assistance, 30-day service guarantee and much more.

  • Credit Score Check

    Credit Score Check

    Free Credit Score Check. Track and improve your credit score for any future loan or EMI requirements

  • Buy Digital Gold

    Buy Digital Gold

    Buy digital gold online in a few clicks, starting at just ₹1! Start your gold savings today to fulfill your family’s wishes in the future.

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-2

    "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 Home Credit Video Play
  • customer-2

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

    - Sonu Mehta

    Purchased: Mobile Phone Watch Video Home Credit Video Play
  • 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 Home Credit Video Play
  • customer-2

    "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 Home Credit Video Play
  • 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 Home Credit Video Play
All your favorite brands available
  • |
  • vivo
  • oppo
  • LG
  • MI
  • Nokia
  • techno
  • haier
  • Whirlpool
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