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Only 2 documents
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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, terms & conditions apply

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
  • Personal Loan
    Personal Loan
    ** for existing customers
  • Two Wheeler Loan
    Two Wheeler Loan
  • Ujjwal EMI Card
    Home Credit Ujjwal EMI Card
  • HA
    Home Appliances on EMIs

EMI Calculator

EMI Calculator

EMI Calculator

Ujjwal EMI card

Shop smart with Home Credit Ujjwal EMI Card

Get up to ₹75,000 pre-approved credit limit

Shop conveniently online and also across 53,000 partner shops.

Down Payment

Buy the product of your choice and enjoy the benefit of easy repayments.

Instant Limit

Enjoy the convenience of pre-approved limit of ₹75,000

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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EMI Calculator

Trusted by 1.9 Cr+ happy customers

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    Jaaniye Kaise Ek Naye Phone Ke Saath Hua Travel Blogger Banne Ka Sapna Saakaar

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    Apne Naye Phone Ke Saath Banaya Nimrat ne Apne Khaane Ko He Apna Career

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    Home Credit Ke Saath Naya Mobile Khareedkar Apoorv Ne Banayi Social Media Par Apni Ek Nayi Pehchaan

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    Dekhein Kaise Naya Mobile Khareedkar Madan Ne Badhai Apni Family Ke Saath Connectivity

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    Janiye Kaise Naya Mobile Le Aaya Mahesh Ki Family Mein Raunak

Get instant access to services specially curated for you!

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  • Two Wheeler Loan

    Two Wheeler Loan

    Make every ride special with quick and easy Two Wheeler Loans.

    Apply Now
  • Used Commercial Vehicle Loan

    Used Commercial Vehicle Loan

    Make your opportunities bigger with hassle-free Used Commercial Vehicle Loan.

    Apply Now
  • Used Car Loan

    Used Car Loan

    Experience the joy of owning a car with Used Car Loan for salaried individuals.

    Apply Now
  • Tractor Loan

    Tractor Loan

    Take your farming to the next level and have the joy of owning a new tractor through affordable Tractor Loans.

    Apply Now
  • Gold Loan

    Gold Loan

    Your Gold, Your Goals: Fulfill your financial requirements through Gold Loan.

    Apply Now
  • Loan Against Property

    Loan Against Property

    Take your business to new heights with hassle free and Affordable Loan Against Property.

    Apply Now
  • Three Wheeler Loan

    Three Wheeler Loan

    Three Wheels, Endless Opportunities, Apply for a Three-Wheeler loan and accelerate your growth.

    Apply Now
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    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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  • mobile protect

    Mobile Protect

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

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  • Credit Score Check

    Credit Score Check

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

    CHECK HERE
  • Health Services

    Health Services

    Trusted medical care & complete peace of mind for you and your loved ones.

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  • Extended Warranty

    Extended Warranty

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

    KNOW MORE
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Enabling you to fulfill your big dreams

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  • Shop online with ease using Ujjwal EMI card

    Shop online with ease using Ujjwal EMI card

    Shop across categories like Mobiles, Electronics, Travel, Lifestyle & more using your Home Credit Ujjwal EMI card. Shop on easy EMIs from the comfort of your home.

    KNOW MORE  
  • Ab Shopping Karo Dil Khol Ke From Myntra

    Ab Shopping Karo Dil Khol Ke From Myntra

    Apni Ujjwal EMI Card Limit Use Karein Abhi!

    Shop Now  
  • Personal Loan offer

    Personal Loan offer

    Instant personal loan for your small needs or big celebrations.

    CHECK ELIGIBILITY  
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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 1.9 Crore+ customers
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  • 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."

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

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    "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."

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    "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."

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    "Home Credit ke saath apni zaroorat ki cheez khareed sakte hain aur easily pay kar sakte hain."

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    Purchased: Mobile Phone Watch Video Home Credit Video Play
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