Home Credit: Loan, EMI, Deals 3.122.3

Home Credit - India's Fastest Loan App

Experience the convenience of the all-new Home Credit Loan App, where you can get an instant loan of up to ₹500,000 in just a few minutes with minimal documentation. Our flexible repayment options allow you to choose from a tenure of 6 to 48 months, with annual interest rates ranging from 24% to 49%* and a low processing fee ranging from 3.9% to 4.06%.

For example, if you borrow ₹50,000 with an annual interest rate (APR) of 24% and a repayment tenure of 12 months, your total loan repayment amount will be ₹57,986, including a processing fee of ₹1000 + ₹250 convenience fee and a monthly EMI of ₹4,728. Please note that the interest rates and processing fees may vary based on the risk profile of the customers.*

What We Offer

• Instant Personal Loan: Get instant personal loans ranging from ₹50,000 to ₹500,000 with flexible repayment terms of 6 to 48 months. Our 100% online process allows you to apply for a quick loan and receive instant approval in just 5 minutes with minimal documentation.
• Ujjwal EMI Card: Enjoy the benefits of our Ujjwal EMI Card, which offers an instant limit of up to ₹75,000 for easy shopping on EMI. With features like one-time documentation, zero processing and joining fees, and zero foreclosure charges, our Ujjwal EMI Card is designed to enhance your shopping experience.
• Flexible Personal Loan: If you're looking for a small loan that allows you to pay interest only on the amount you use, our flexible personal loan is the perfect choice. This loan provides access to funds of up to ₹90,000 for various emergencies and offers a repayment tenure ranging from 6 months to 36 months.

Avail yourself of our super-flexible micro loans for medical emergencies, business expenses, and other unexpected costs.

Our fees and charges include:

• Joining fee: Zero
• Annual renewal fee: 2% of allotted credit limit
• Transaction fee: 2.5% on each withdrawal amount

In a representative example, if you have a flexi limit of ₹50,000 and withdraw ₹10,000 for 1 month, you would pay: ₹0 joining fees, ₹250 transaction fee (2.5% of ₹10,000 withdrawal amount), ₹307.5 in interest (calculated on withdrawal amount and transaction fee), making the total repayment amount ₹10,557.50.

Exciting Deals

Discover amazing deals on electronics, appliances, and more at our partner shops located nearby.

Home Credit is your one-stop solution for all financial needs, right at your fingertips. Our personal loan app is operated by Home Credit India Finance Pvt Ltd., an RBI-registered Non-Banking Financial Company (NBFC). With our safe and secure processes and guidelines, we have become India's most trusted credit app.

Who Can Avail?

Our simple and easy eligibility criteria make it possible for almost everyone to apply for a quick and easy small loan:

• Age: 19 to 68 years
• Nationality: Indian
• Income source: Salaried/Self-employed/Pensioner
• Bank account status: Active

How To Apply For An Online Personal Loan?

• Download App & Register: Download the Home Credit loan app and register with your mobile number.
• Complete Loan Application: Fill in your required personal details and complete your loan application.
• Enjoy Instant Approval: Experience hassle-free personal loan approval and quick funds disbursal within a few hours.

Why Choose Home Credit?

• Over 16 million satisfied customers.
• More than 50,000 partner shops.
• Pan India presence in over 600 cities.

Contact Us

• Email: [email protected]
• Website: https://www.homecredit.co.in/contact-us
• Address: DLF Infinity Towers, Tower C, 3rd Floor, DLF Cyber City Phase II, Gurugram-122002, India