Apply for Instant Personal Loan up to ₹4.8 Lakhs

With our simple eligibility criteria, existing Home Credit customers can easily apply for a personal loan.

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

List of acceptable documents for Existing Home Credit Customers:

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

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

To apply for a Personal Loan with Home Credit, you need to be an existing Home Credit customer. You can check your pre-approved loan offers on Home Credit App and complete the application process directly within the App. Our Sales Representatives also reach out to eligible customers as soon as loan offers become available for them.

An instant personal loan online offers a quick and convenient way to access funds without lengthy paperwork. It is a no collateral personal loan, which means you don’t need to pledge any assets. With a quick approval personal loan process, applications are reviewed rapidly, and eligible customers can receive funds in a short time. You can also apply for an online loan without visiting a bank, making the process completely digital and hassle-free.

Home Credit personal loans are designed to offer a simple and convenient borrowing experience. Eligible existing customers can benefit from instant approval, ensuring quick access to funds when needed. The process requires minimal documentation, typically just two documents, making it easy to apply. Customers can also enjoy flexible repayment tenures of up to 60 months based on eligibility. As a trusted NBFC in India, Home Credit provides reliable financial solutions with a wide customer reach.

Customers can select the loan amount and tenure based on the eligibility criteria set by Home Credit India, and easily calculate their repayments with the Personal Loan EMI Calculator.

A processing fee of up to 3.9% 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 App.

Late Payment Charges shall be levied on the total outstanding principal amount of the loan in case a customer does not pay the monthly installment on or before the due date.

Once your loan is approved, you can check its status through the Home Credit App. Typically, the loan amount is transferred to your bank account within 5 working days following the successful setup of Auto Debit.

Additionally, you can reach out to us at 0124-662-8888 or chat with us via our mobile app. Alternatively, you can email us at care@homecredit.co.in with your query, and we will respond within 48 hours.

Home Credit India gives you the opportunity to opt for the Safe Pay services along with the Personal Loan.

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

Yes, your Personal Loan can be foreclosed by paying 4% of the principal outstanding amount. However, foreclosure charges will be waived if you have purchased Safe Pay along with your loan.