OneScore: Credit Score Insight

FPL Technologies

About this app

Instant personal loan, free credit-score & more!
OneScore is a one-stop shop for managing credit score & getting an instant personal loan with flexible EMI options. Whether you need money to plan a trip or to take care of medical expenses, you can get an instant loan for any cash emergency with OnePL.

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

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

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


Eligibility Criteria for OnePL
A credit score of 730 & above
Stable employment with monthly salary of >₹20,000
Aadhar and PAN card holder

OnePL features:
• Lending partners: Federal Bank, South Indian Bank, Kisetsu Saison Finance India
• 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), 14% - 30% (For Credit Saison)
• Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB
• APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB), 14.5% - 32% (For Credit Saison)

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 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 in an instant, for free. It’s also completely spam-free & ad-free.

Get notified about changes in your credit score in real-time. 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 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 credit score with good financial habits.

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

Report inaccuracies in your credit record with a simple click.

Set financial goals & stay on track with timely reminders.

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, do it all on the app.

Ad-Free:
Rest assured, you will never get those spam calls and messages with unsolicited offers.

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

For help email us at [e-mail]. Do visit our website to contact us for any queries at https://onescore.app.
Our address: OneHQ, SN 127, Near Sarjaa Hotel, Aundh, Pune, MH - 411007 IN

Ratings and reviews

Experian score is not populated for more than a month. There is an issue in the App but no one seems to be fixing it out. Post your reply: I have attached the screenshot of the Onescore App where Experian Score is not populated. Over my registered mail I'd.

app keeps asking for OTP and email every month i open it. the score comes down even when all payments are made on time. there are errors in it ( cards that I have cancelled years ago, bank loan that was paid back)but impossible to report it.

Probably the best third party app to check and maintain your credit score. It shows both CIBIL and Experian scores unlike apps like Cred, Kotak, Jupiter, etc, that only show the Experian Score of little importance. It loads quickly and the "My Loan" section shows accurate information about your loans including due date and also gives you an option to set a reminder for all your loans which is a nice feature. Drawback is: My raised credit limit hasn't been updated in the app since 14 days now! 4*

What's new

Behold, the new experience brought with this release. A whole new OneScore that is faster, smoother and more informative.

🎛️ Manage your loans and credit cards
🤔 Get top insights with 'Did you know?'
⏰ Reminders to stay on top of your bills & EMIs
💡 Personalised insights for you
💳 Apply & Get OneCard - India's Best Metal Card
🔖 ISO27001 security certified

Now you don’t have to keep track of all your different accounts to know your progress on building good credit - we do it for you!