Why choose Safe Pay while taking a loan from us



More benefits, less hassles

No credit history required
No credit history

Avail loans even if you’ve never taken one before

icon wealth

Get your Loan request approved instantly

icon wallet
Convenient repayment

Pay online, using the mobile app or via other payment modes

hidden charges icon
No hidden

Complete transparency in terms and conditions

How safe pay ensures your loan coverage in case of emergencies

  • |
  • Safe Pay
Payment Holiday


  • In case of an emergency postpone EMI payment by a month
  • Can be availed after paying first 2 EMI’s on or before due date
  • The loan tenure increases by a month every time payment holiday is availed
  • There is no impact on the borrowers credit history
  • A maximum of two Payment Holiday service can be availed during the entire loan term.
  • Atleast one EMI between two Payment Holiday Service need to be paid
  • Call us 6 days before the due date to avail the service. You can contact us in multiple ways here
  • No proof required

Free Early Repayment
Life Cover

Frequently Asked Questions

What is Safe Pay?

Safe Pay is a value-added service offered to Home Credit consumer durable and personal loan customers. It is a package that offers Payment Holiday, Free Early Repayment and Life Cover.

What are the benefits offered under Safe Pay Service?
How many times Payment Holiday Service can be availed during the loan tenure?
Does the Payment Holiday Service affect the loan duration?
How can I claim the Safe Pay insurance amount?
easy loans home credit
Home Credit Chatbot Display Message
Home Credit Chatbot Smiley
consumer durable loan finance company