Pre-approved limit up to ₹1,00,000 | Save on Interest | Flexible Repayment | Multiple Withdrawals

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

Benefits of Flexible Personal Loan

Pre- approved limit
Flexible credit limit up to ₹1,00,000

Get an instant Flexible Credit Limit up to ₹1,00,000 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
Eligibility Criteria

  • Applicant should be an Indian Citizen between 18 and 60 years of age
  • Should have a valid ID proof (PAN Card Mandatory) and address proof (Aadhaar Card, Voter ID Card, Driving License, Passport)
  • Should be salaried or self-employed, with an active source of income
  • Should have an active bank account
  • Applicant's 'Monthly Household Income' should be more than ₹25000/-. Household means, an individual family unit consisting of a husband, wife, and their unmarried children


Loan Amount ₹10,000 - ₹1,00,000
Loan Term 5 Years (3 years flexible + 2 years fixed)

Fees and Charges

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 are the eligibility criteria for a Flexible Personal Loan?
What are the minimum and maximum limits offered by Home Credit?
How can I apply for a Flexible Personal Loan?
What is the minimum amount I can withdraw from my 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 a 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 a 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 pay 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 a Flexible Personal Loan?
Can a retired person also apply for a Flexible Personal Loan?
Can an existing Home Credit customer also apply for a Flexible Personal Loan?
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