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KreditBee Personal Loan

Apply for a personal loan and meet all your financial needs.

Interest rate starts from

12% p.a

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A hassle-free loan for any situation.

Get personal loans ranging from ₹6,000 all the way up to ₹10 Lakhs with competitive personal loan interest rates. Whether you're looking for the best personal loans or need an instant personal loan online, we've got you covered. Apply for a personal loan online easily and enjoy quick disbursals directly into your bank account in just a few minutes.

Our flexible repayment plans ensure you can manage your personal loan EMI with ease and choose a tenure that suits your needs. Even if you have a low CIBIL score, you can still explore personal loan offers tailored to you. Curious about how to apply for a personal loan or what a personal loan is? We've made the process simple so you can get a personal loan effortlessly.

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A loan for every unique need

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Loan Against Property

Unlock the value of your property with a loan of up to ₹1 Crores and flexible repayment tenures of up to 20 years. Get competitive interest rates starting at 12%, available across major cities in South India. Apply now with your property documents, bank statements, and employment details!

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Business Loan

Boost your business with an easy loan of ₹6,000 to ₹5 Lakhs, repayable over 6 to 48 months. Get fast approval, minimal paperwork, and quick disbursal to support expansion, working capital, or new opportunities. Apply easily with your PAN card, address proof, and business proof!

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Get instant loan upto ₹10 Lakhs.

Features and Benefits

Discover the best features designed to provide a smooth and hassle-free experience when applying for the best personal loans. With our fully online process, competitive personal loan interest rates, and quick disbursal options, securing the funds you need has never been easier.

Eligibility & Documentation for Instant Personal Loans Online

Learn about the eligibility requirements and necessary documentation for quick loan approval.

Features

  • Loan amount from ₹6,000 to ₹10 Lakhs (*Maximum amount may be contingent upon Applicant’s employment and financial status)
  • Interest Rates ranging from 12% to 28.5% per annum
  • Tenure ranging from 6 months to 60 months
  • Processing fee up to 5.1% + GST
  • Quick & direct transfer to the Bank Account
  • No collateral or pledge of security

Eligibility Criteria

  • Indian Citizen
  • Age to be 21 years and above
  • Minimum monthly personal income of ₹10,000
  • Monthly household income more than ₹25,000
  • Possess Government-approved Valid Identity Proof & Address Proof
  • Aadhaar-linked mobile number
  • Active employee with regular/permanent status of employment (for salaried employees)
  • 2 months of work experience in your current company (for salaried employees)

Documents Required

  • Photograph
  • PAN
  • Address Proof (Permanent & Current Address)
  • Income Proof (Bank Statements reflecting Monthly Income)
  • Employment Proof for salaried employees (Salary Slip / Office ID / UAN authentication)

Other Fee & Charges

    • Foreclosure charges
      • Foreclosure charges of 4% of principal outstanding* + GST will be charged in case Foreclosure is opted
    • Part-Prepayment Charges
      • Part Prepayment Charges of 4% of principal prepaid* + GST will be charged in case Part-Prepayment is opted
    • Penal Charges
      • 1. EMI bounce charge (1st day): 4% of principal overdue* or ₹500, whichever is lower
      • 2. Penal charges for 2-180 days: 36% per annum on principal overdue (+ GST if applicable on penal charges)
    • Credit Information Report Fees
      • 1. Credit Information Report Fees of ₹50 + GST is applied if the customer opts for receiving their Credit Information Report.
      • 2. Credit Information Report fees is disclosed upfront in the KFS (Key Fact Statement).
    • Retained Processing Fees in case of cool-off
      • 1. A percentage of the one-time processing fees may be retained as the cool off fee if the customer exits the loan during the cooling-off period.
      • 2. The exact amount of the cool off fees is disclosed upfront in the KFS (Key Fact Statement).
    • Stamp Duty
      • 1. Stamp duty charges as per actuals shall be applied based on the disbursement office / branch.
      • 2. The exact amount of the Stamp duty charges is disclosed upfront in the KFS (Key Fact Statement).
    • Maintenance & Procurement Cost
      • 1. Maintenance & Procurement Cost may be applied based on the disbursement office / branch.
      • 2. The exact amount of the Maintenance & Procurement Cost is disclosed upfront in the KFS (Key Fact Statement).
    • *round to the nearest rupee

    Application Requirements

    • Mobile Number
    • Email
    • First & Last name
    • Date of Birth
    • Gender
    • PAN
    • Employment Type
    • Monthly Income
    • Company name
    • Address Proof
    • PAN Photo
    • Selfie
    • Permanent Address
    • Current Address
    • Education
    • Profession
    • Marital Status
    • Employment Proof for salaried employees (Salary Slip / Office ID / UAN)
    • Bank Statement
    • Father/Mother / Spouse Name
    • Reference Contact
    • Disbursement Bank Account Details
    • eNACH/UPI e-mandate

    Instant Personal Loan EMI Calculator

    Calculate your EMI effortlessly with our Instant Loan EMI Calculator to make informed decisions.

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    Get a Personal Loan in a Few Easy Steps

    Applying for a KreditBee personal loan has never been easier. Follow these simple steps to quickly complete your application and get your loan disbursed directly into your bank account.
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    Sign up using your mobile number.

    Purpose And Uses

    Discover how our personal loans can be tailored to meet your specific needs. Whether you need money for travel, education, emergencies, or any other purpose, find the right loan option to fit your unique situation. Here are some things you can use the funds for:

    Travel

    Education

    Emergency

    Shopping

    Wedding

    Maternity

    Hobbies

    Occasion

    Gifting

    Opportunity

    Low Salary

    Home Renovation

    Need funds fast? Apply for an Instant Personal Loan with KreditBee Today!

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    Customer Testimonials

    My overall experience with KreditBee was good. I applied for an online personal loan, and the service was quick. The entire process was fast and smooth, and the loan was sanctioned without any hassles. Thanks to KreditBee for helping me to get a loan approved on the same day.

    Hiren Joshi

    I've been using this app for the last 3 months. Seriously, you can trust this app. It's really very easy to use and it's very easy to apply for your personal loan. The first time, you just need to fulfill your kyc documentation and after that, you can get a loan simply and every time. It's very friendly to apply for your personal loan.

    Abhishek Barua

    It's an excellent app for instant personal loans. If you repay your loan amount in a given time, it will increase your credit score and will help you to get better loan options for next time with an increased repayment duration. Also, it is easy to use and trustworthy.

    Hardev Kumar

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