Instant Personal Loan

Get a loan up to ₹5 Lakh*,
monthly EMI
as low as ₹980!

  • Instant ApprovalInstant approval
  • 2 Documents required2 Documents required
  • 100% digital process100% digital process

*T&C apply

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Loan approval in 5 minutes*

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By clicking Apply Now, you agree to our privacy policies and T&C. You also authorize us to retrieve your credit report & communicate with you via phone, e-mails, WhatsApp, etc.

Real People, Real Feedback

Govind rathod Rathod

Govind rathod Rathod

2023-09-06

My life is zingalala with flexi loans from HOME CREDIT over all very easy available loan & use capacity when in need.

Narendra Gaidhane

Narendra Gaidhane

2023-09-08

I am not senior customer but service of this home credit loan is very exllent.All though it is very needy person to help to encourage providing good service all time home credit.

Ranjan Das

Ranjan Das

2023-09-14

Process is faster than any other financial organisation. Easy and transparent process. We can recommend to near and dear

Mohd Javed Malik

Mohd Javed Malik

2023-09-14

absolutely perfect app for any type of loan station

Fiza Khan

Fiza Khan

2023-09-16

This is a very good App, I had got the phone finance done from here. And now I have got a loan of 1,50,000 approved, so it was a very good experience for me.

Chintpurni Traders

Chintpurni Traders

2023-09-14

exllent easy way to use loan and fulfill your needs

One of the India's most Trusted Financial Services App

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4.5

68K+ Reviews

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testimonials

600+

Available
Cities

53,000+

Home Credit
Partner Stores

1.6Cr+

Happy
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Personal Loan Eligibility Criteria

Home Credit, your trusted partner for personal loans, understands your dreams and aspirations. Getting an online instant personal loan with Home Credit is a breeze as there is minimal paperwork.

Your financial needs matter to us, and we're here to help you achieve your goals. Download the Home Credit app today and turn your dreams into a reality.

Minimum Age 18 Years

Minimum Age 18 Years

Minimum Income ₹25,001

Minimum Income ₹25,001

Must be a citizen of India

Must be a citizen of India

Documents Required for a Personal Loan

Experience the lightning-fast, hassle-free loan application process with Home Credit. In just 5 minutes, you can secure your loan with super simple document requirements.

PAN Card
PAN Card
Address Proof
Address Proof
Active Bank Account
Active Bank Account

Get your instant personal loan now and turn your dreams into reality!

EMI Calculator

Your EMI Estimate

5603*

Interest Rate*

Processing Fee

*This is an approximate EMI calculation. The actual processing fee and rate of interest may vary. Interest rate for Personal Loan starts at 1.6% on a monthly basis.

Loan Amount

  • 10000
  • 500000

Tenure

  • 12 Months
  • 48 Months
How it works?
How it works
Register Online
Register Online

Register here with your name and mobile number

Download Mobile App
Download Mobile App

Download Home Credit: Personal Loan App from Google Play Store

Instant Approval
Instant Approval

Complete the fully digital process from the comfort of your home and get money instantly.

Fast, Easy, Secure.

Frequently Asked Questions

A personal loan is a loan that does not require any collateral or guarantor and can be availed with only 2 documents. You can avail a Personal Loan from Home Credit India of up to Rs. 5,00,000 to meet your current financial needs and use it to pay for your immediate needs like medical emergencies, home renovation, wedding, or for any other unplanned expenses.

With our simple and easy eligibility almost anyone can apply for a personal loan. You are eligible to apply for a Home Credit Personal Loan if you meet the following criteria:

  • Age: An Indian citizen between the age group of 18 and 60 years
  • Income source: salaried, self-employed, or pensioner
  • Documents: 1 ID proof and 1 Address Proof
  • Gap between two Home Credit loan applications: 90 Days
  • Bank account: Should have an active bank account

To apply for a personal loan, you need to provide 1 ID proof and 1 current address proof.

List of acceptable documents for Existing Home Credit Customers: 

Valid ID Proof:

  • PAN Card (Mandatory)

Address Proof (Any one of these):

  • Aadhar Card
  • Voter Id card
  • Driving License
  • Passport
  • Government House Allotment Letter
  • Property Tax Receipt

List of acceptable documents for New to Home Credit Customers:

Valid ID Proof:

  • PAN Card (Mandatory)

Address Proof (Any one of these):

  • Aadhar Card
  • Voter Id card
  • Driving License
  • Passport

*Conditions apply. Home Credit India reserves the rights to call upon additional documents, if required.

 

Minimum Loan Amount

Maximum Loan Amount

Existing Home Credit Customers

₹ 10,000

₹ 5,00,000

New to Home Credit Customers

₹ 25,000

₹ 2,00,000

 

Minimum Tenure (months)

Maximum Tenure (months)

Existing Home Credit Customers

9

60

New to Home Credit Customers

6

36

Existing Home Credit Customer
Existing Home Credit customers can check their pre-approved loan offers on Home Credit: Personal Loan App from Google Play Store and apply for the loan on the App itself. Our sales representatives will get in touch with eligible customers as and when loan offers are available for them.

New Home Credit Customer
New customers can now avail personal loan of up to 2 lakhs on our mobile App. Just download Home Credit: Personal Loan App from Google Play Store and follow the instructions given on App to apply for the loan.

You can also chat with us on our mobile App between 9:00 am and 7:00 pm for more details.

Yes, the loan amount and tenure can be selected by customer based on the eligibility criteria defined by Home Credit India

A processing fee of up to 5% may be levied on the loan as per the loan offer available for you.

Yes, Home Credit India provides a top-up on the existing personal loan based on the repayment history and applicable credit policies. You can check your eligibility on the Home Credit Mobile App.

Penal Charge is levied on the overdue amount in case a customer does not pay the monthly installment on or before the due date.

Once your loan is approved, you can check the status on the Home Credit Mobile App. The loan amount usually gets disbursed into your bank account within 5 working days from the day of successful Auto Debit setup.

You can also contact us at 0124-6662-8888 or chat with us on our mobile App between 9:00 a.m. and 7:00 p.m. Alternatively, you can write to us at care@homecredit.co.in with your query, and we will revert within 48 hours.

Home Credit India gives you the opportunity to opt for the following services along with the Personal Loan:

  • Safe Pay
  • Safe Pay Health Lite
  • Health Assure

Customers may decide to opt for value added service as per their need during the loan application process.

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