OneScore: Credit Score App

4.5
1.87M reviews
10M+
Downloads
Content rating
Everyone
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About this app

Instant personal loan app, free credit-score & more!🔥

OneScore is a lifetime free credit score management and instant personal loan platform trusted by over 4 Crore Indians. Whether you need money for short term personal expenses, a long vacation, or to cover medical expenses, you can get an instant personal loan for any cash emergency.

✅Instant Loan Disbursal
✅Easy Application
✅No Collateral requirement
✅Zero Documentation
✅Flexible EMI options

How to avail of the best instant loan offer on OneScore💸
Build your credit worth by regularly tracking your credit score, & look out for the personalized best loan offer. Depending on your credit score, & other factors, you will receive instant approval for a personal loan through our app.

What’s more!💡
You can also use the EMI calculator within the app to plan your online loan EMIs & choose from the flexible repayment options.
Set up payment reminders so you never miss an EMI.

Eligibility Criteria for best online personal loan offer 👇
A credit score of 730 & above
Stable employment with monthly salary of >₹20,000
Aadhar and PAN card holder

Personal Loan features:🚀
• Lending partners: Federal Bank, South Indian Bank, Kisetsu Saison Finance India (KSF)
• Loan Amount: Up to Rs. 5 Lakh
• Loan tenure: Minimum 6 months, maximum 48 Months
• Interest Rates: 12.5%-18.5% (for Federal bank), 15.9%-16.8% (For SIB), 13.5% - 29.99% (For KSF)
• Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB, 1%-4% for KSF
• APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB), 16% - 42% (For KSF)

Let's understand this with an example, assuming a personal loan of Rs. 50,000 with a 13% interest rate & a repayment tenure of 1 year. Here’s how your online loan disbursal amount would be calculated:

• Loan Amount - ₹50,000
• Tenure - 12 months
• Interest Rate - 13%
• EMI - ₹4,466
• Total Interest Payable - ₹4,466 x 12 months - ₹50,000 Principal = ₹ 3592
• Processing Fees (incl. GST) - ₹1179
• Disbursed Amount - ₹50,000 - ₹1,179 = ₹48,821
• Total Amount Payable - Principal + Interest + Processing Fees = ₹54,771
• Total Cost of the Loan = Interest Amount + Processing Fees = ₹3592 + ₹1179 = ₹4,771

*In case the loan is disbursed on or after the 6th of the month and your EMIs fall on the 5th of the month, there’s a gap of 29 days between your loan disbursal date & the first EMI. The interest rate charged for this period is called Broken Period Interest.

Why download OneScore?📲

Get instant loans up to Rs 5 lakh with zero documentation & flexible EMI options.

Check your Experian and CIBIL score for free. It’s also completely spam-free & ad-free.

Get notified about changes in your credit score. Stay in charge of your credit score with a simplified credit report & eliminate errors in real-time.

Use the ‘Find out why feature’ to analyze your data and understand exactly why your Experian and CIBIL credit score has changed.

Use the Score Planner to level up your credit score. Set a goal for yourself & achieve your ideal score with personalized insights.

Have a low credit score? Use the simulator to get suggestions on how to improve your Experian and CIBIL score with good financial habits.

Get a bird’s eye view of all your personal loan & credit card accounts.

Report inaccuracies in your credit record with a simple click.

Why OneScore is different🌟

End-to-End Credit Management Tool
One-stop solution for end-to-end credit management from building your credit score to availing instant personal loans at low-interest rates.

Safe & Secure:
None of your information is shared with any third party or institution. Your data is safe with us.

email for help: support@fplabs.tech. Do visit our website to contact us for any queries at https://onescore.app.
Our address: West Bay, S. No. 278 Hissa No. 4/3, Pallod Farms Phase II, Baner, Pune, MH IN 411045
Updated on
Jul 24, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Financial info
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
1.86M reviews
Srikar A
May 3, 2025
Updated review Good app, neat UI, but; the app doesn't fetch my CIBIL score. I really need this solved. Play store team asked me to drop a mail to their CS team which I did instantaneously. However, I do not have a response from them despite 3 reminder mails. Sad :( Please help me sort this out.
207 people found this review helpful
FPL Technologies
May 3, 2025
Hey Srikar, Your satisfaction holds the utmost importance to us, and we are wholeheartedly dedicated to ensuring that you enjoy the best possible experience! If you're facing any issues or have concerns, kindly share them with us at Onescorehelp@onescore.app using your registered email ID. Our dedicated team is here to assist you promptly! -Yuki
Dushyant Deshwal
July 11, 2025
Nice and Simple app with no clutter and great insights. A Bug that you might or might not have noticed: When setting a reminder, I cannot choose the last day of the month as some have 30 and others have 31 days and Feb have 28. The last date possible as a reminder is only the 28th. it fails to set a reminder if it is anything after the 28th.
20 people found this review helpful
FPL Technologies
July 11, 2025
Hi Dushyant! Thanks so much for the kind words! Just to clarify, we do have an option to set reminders at the end of the month. If you're facing any issues with it, feel free to email us a quick screen recording at onescorehelp@onescore.app and share the ticket ID here — we’ll help you out right away! - Yash
Vishal Mishra
June 17, 2025
Stop sending notification “Your Score Changed - Here's Why?” every now & then. The score gets updated once in a month but you are sending notification like it changes everyday. These idiotic notifications are very frustrating. I'll uninstall the app if I receive one more notification like this.
13 people found this review helpful
FPL Technologies
June 17, 2025
Hey Vishal! It doesn't sound like the experience we would like to provide you. Rest assured, we are here to help you. Kindly write to us at onescorehelp@onescore.app from your registered email ID and do share the allotted ticket ID here so we can assist you further. - Suchi.

App support

About the developer
FPL Technologies Private Limited
help@getonecard.app
West Bay, Survey No. 278, Hissa No. 4/3 Pallod Farm, Phase Ii Baner, Taluka Haveli Baner Gaon Pune, Maharashtra 411045 India
+91 77578 64585

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