3.8
43.6K reviews
1M+
Downloads
Content rating
Everyone
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About this app

With CreditFit, you can check your Free credit score and improve your credit health. We offer a wide range of loans & credit cards that are uniquely matched to your profile from top banks (Yes Bank Limited, InCred Financial Services Limited, Shriram Finance Limited etc.)

CreditFit’s credit score is powered by Equifax - 1 of the 4 credit bureaus authorized by RBI.
CreditMantri's CreditFit is trusted by more than 18 million Indians🛡️ and 40+ lenders.

🏁 Things you can do

🎰 Credit Score and Analysis
- Check your credit score for FREE & get detailed analysis of your credit profile
- Subscribe to premium credit health report for personalized recommendations
- Improve your credit score with inputs from our experts

💸 Track Spends & Bills
- Plan your budget & track your spends across categories
- Quickly add any cash spent to accurately track your expenses
- Get EMI reminders & credit card bill reminders to pay on-time
- Check bank balance & ATM 🏧 withdrawal count

💰 Loans & Card offers
- Apply for exclusive loans & credit cards from lenders, get Instant approval
- Build your credit score with your first credit product

🆓 Credit score FAQs

What is a credit score & how is a credit score calculated?
Credit score is an indicator of a borrower's ability to make credit payments on time. Credit score is calculated based on the data provided by the banks and NBFCs to the bureau. Major factors that influence a credit score calculation are timely credit payments, current outstanding balance and new credit enquiries etc.

If I check my credit score, will it hurt my credit report?
No, requesting your credit score through CreditFit is considered a soft inquiry on your credit report (as opposed to a hard inquiry, when a lender requests your credit score during a loan decision).

I have a low credit score. What can I do to improve my score and become loan eligible?
You might have a low credit score due to negative accounts and/or delayed payment(s) in your credit report. CreditMantri can help you identify the negative accounts and help you attain better credit health by resolving the issues.

💡 Loans FAQs

What are the kind of loans available?
CreditFit’s Marketplace offers a wide range of products matched to the customer’s credit profile which include personal loan, home loan, auto loan, gold loan, loan against property, business loan, education loan and two-wheeler loan

What is the loan amount, tenure and interest rate I can get on different types of loans?
Loan amount, tenure and interest rate are determined by your credit profile and requirements.
1. Personal loan: From ₹1,000 to ₹30 lakhs & tenure from 90 days to 5 years & interest rate varies from 11.99% to 35% per annum
2. Home loan: From ₹3 Lakhs to ₹10 Crores & tenure from 1 to 30 years & interest rate varies from 8.35% to 15% per annum

*Who are the lenders that partnered with CreditFit to provide Personal Loans?
CreditFit has partnered with Leading Banks to provide Personal Loans. Below is the list of Lenders :
Yes Bank Limited
InCred Financial Services Limited
Shriram Finance Limited

Representative example of the total cost of the loan:
Loan amount - ₹1,00,000
Interest rate(APR) - 13% p.a
Loan tenure - 12 months
Total Interest to be paid - ₹13,000
Processing fee + GST - ₹588 (₹499+GST)
Monthly EMI repayment - ₹9,466
Total amount to be repaid - ₹1,13,588

🔐Permissions Requested:
* Camera - To take photos of proof documents to quicken loan process.
* SMS - To help you track your spends and EMI reminders from bank SMSs
* Storage - To store photos captured by you for proof documents
* Phone call/Device state – To pre-fill the mobile number

🏆Awards
Red Herring Asia Top 100 Winner, 2017
Named in the “Top 250 Fin-Tech Companies in the world” by CB Insights, 2017 and 2018
Jason J.Spindler ‘Big Data for Impact Award, 2019
Updated on
Jul 10, 2024

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, Financial info and 3 others
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.8
43.4K reviews
Rohit Tele
May 13, 2024
Request all user not to pay any amount for any subscription. The most worst service & fake people & fake commitment. I had paid for 3 credit card subscription for improvement of credit score, it's more than 45days but the issue is not resolved. I am not able to connect any customer care of it. The number from which they have called is not reachable since 45days. He will not reply any email. For subscription they will call back to back but after paying the amount you will fell regret.
144 people found this review helpful
Ashwin Chaturvedi
May 13, 2024
It fails to deliver on its promise of improving your credit score and financial literacy. Clunky UI, non-existent customer service, subscription trap, empty promises of loans/credit cards, & knowledge behind a paywall make your experience frustrating. CREDIT MANTRI preys on your desire for financial security. It offers nothing of value except frustration and a lighter wallet. Look elsewhere for genuine financial support tools. Plenty of better options are available, don't waste your money here.
101 people found this review helpful
prakash babu
July 9, 2024
Very very worst customer care service. You cannot call them directly. They don't even have proper customer care number or e mail. If query raised. Their response is ultimate. They won't answer for what we questioned. Even if they connected call. They won't talk. They are just playing with co staffs. After 5 mins they said hello and said just now call connected. I had recorded all. But unable to attach voice in query... Please don't waste your money by blindly believing this type of services.
15 people found this review helpful

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