Pre-approved limit up to ₹90,000 | Save on Interest | Flexible Repayment | Multiple Withdrawals

Get Flexible Personal Loan & start saving on your interest today!  Download Home Credit SuperCupo App* here>

Benefits of Flexible Personal Loan

Pre- approved limit
Flexible Credit Limit up to ₹90,000

Get an instant Flexible Credit Limit up to ₹90,000 available for up to 36 months.

Savings on interest
Savings on interest

You pay interest on what you withdraw and not on the entire amount sanctioned to you.

Multiple withdrawals
Multiple Withdrawals

Withdraw any amount starting ₹5000, whenever you are in need of cash. Make multiple withdrawals with no additional documentation or extra charges.

Flexible repayments
Flexible repayments

Repay the outstanding principal whenever you have funds available, and just pay the minimum amount due every month.

Fee and Eligibility

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  • Fee & Eligibility
Fee

Annual renewal fee 2%  of the credit limit
Transaction fee 2.5%  of the disbursed amount
Flat rate of interest 24% - 56.5% Per Annum
Days Past Due Outstanding Principal Amount
Less than or equal to ₹ 5,000 More than ₹ 5000 & Less than or equal to ₹ 50,000 More than ₹ 50,000
  Late Payment Charges Total Late Payment Charges Late Payment Charges Total Late Payment Charges Late Payment Charges Total Late Payment Charges
1 Day ₹ 150 ₹ 150 ₹ 350 ₹ 350 ₹ 500 ₹ 500
30 Days ₹ 200 ₹ 350 ₹ 450 ₹ 800 ₹ 600 ₹ 1100
60 Days ₹ 300 ₹ 650 ₹ 550 ₹ 1350 ₹ 700 ₹ 1800
90 Days & Above ₹ 450 ₹ 1100 ₹ 750 ₹ 2100 ₹ 1000 ₹ 2800

Note: In case of non-payment, Late Payment Charges shall be levied on the total outstanding principal amount of your loan.

Eligibility criteria

Frequently Asked Questions

What is a Flexible Personal Loan?

Flexible Personal Loan offers you flexible credit limit, from which you can withdraw any amount starting ₹5000, into your bank account, any time you want. You can use this limit for various purposes like medical treatment, home renovation, travel, wedding and/or any other financial requirement.

What is the eligibility criteria for Flexible Personal Loan?
What is the minimum and maximum limit offered by Home Credit?
How can I apply for Flexible Personal Loan?
What is the minimum amount I can withdraw from flexible credit limit?
How can I make a withdrawal?
What is the minimum and maximum tenure offered for a Flexible Personal Loan?
Can I choose the limit amount for my Flexible Personal Loan?
What documents are required for a Flexible Personal Loan?
How is Flexible Personal Loan different from a personal loan?
How long does it take for the Flexible Personal Loan application to get approved?
Do I need to pay a fee to apply for a Flexible Personal Loan?
What is transaction Fee and when is it charged?
When will I get the Flexible Personal Loan monthly bill?
What will be the due date for my Flexible Personal Loan? Can I change the due date?
How can I make the payment of my monthly bill?
How is my monthly bill calculated?
When would the late payment charges be levied?
How can I foreclose my Flexible Personal Loan?
Can someone with no credit history apply for Flexible Personal Loan?
Can a retired person also apply for Flexible Personal Loan?
Can an existing Home Credit customer also apply for Flexible Personal Loan?
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