Home Credit: Personal Loan App

4.5
5.47L reviews
1Cr+
Downloads
Content rating
Everyone
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About this app

Home Credit is one of India's fastest-growing personal loan apps, trusted by over 1.6 Crore+ happy customers. With instant approval, quick disbursal & 100% online application process, we offer hassle-free personal loans of up to ₹5,00,000 to existing Home Credit customers for all their needs.

✨Explore the features & benefits of our personal loan app:
✅Instant Loan Approval - Get your personal loan approved within just 5 minutes on our user-friendly loan app.
✅Quick Disbursal - Once approved, your loan gets disbursed directly to your bank account, ensuring swift access to funds.
✅Trusted Loan App - Home Credit is a trusted RBI-registered NBFC, serving millions of happy customers.
✅Minimal Documentation - Apply for a cash loan with just 2 documents, i.e., your PAN card & an address proof.
✅100% Safe & Secure - Enjoy complete transparency & security with no hidden charges, ensuring a worry-free borrowing experience.
✅Flexible Repayment Options - Repay your loan EMIs conveniently with our multiple repayment methods, tailored to suit your financial needs.
✅Personalized Loan Solutions - Instant loan to cater to all your financial needs such as medical emergencies, home renovation, higher studies, travel, or wedding expenses.

✨Why Choose Home Credit Personal Loan App?
✔User -Friendly
✔Trusted by Over 1.6 Cr happy customers
✔4.4-star rating on Google Play Store

📋How to Apply for an Instant Personal Loan?
👉Download the Home Credit personal loan app.
👉Submit your details and complete registration process.
👉Upload your KYC documents.
👉Enjoy instant approval & get funds disbursed directly to your bank account.

📋Eligibility Criteria for Home Credit Personal Loan:
✔Should be an Indian citizen.
✔Age requirements: 18 - 60 years
✔Should be a salaried, pensioner, or self-employed individual.
✔Should be an existing customer of Home Credit (should have availed Ujjwal EMI Card/ Consumer Durable Loans/ Personal Loan/ Flexible Personal Loan in the past).

📋Documents Required to Apply for Instant Personal Loan:
✅PAN Card & address proof.

✨Personal Loan Features:
✔Loan Amount: Up to ₹5,00,000
✔Minimum Annual Percentage Rate (APR): 19.5%
✔Minimum repayment period: 6 months
✔If you opt for a Value-Added Service, the fee for the same shall be levied additionally
✔ If you opt for Safe Pay Services, you get benefits like Payment Holiday, Free Early Repayment, Life Insurance & Health Services with your loan.

Representative Example:
Loan Amount: ₹70,000
Tenure: 24 months
Interest Rate: 32%*
EMI: ₹3986/month
Processing Fees: ₹2,730*
Total Amount Payable: ₹95,672
*The annual interest rates & processing fees will vary as per the risk profile of the customer.
Maximum APR can go up to 48% (However, only a fraction of our customers gets an interest rate higher than 30% per annum). These numbers are indicative & subject to change.

✨In addition to our personal loan offerings, Home Credit India introduces the Ujjwal EMI Card, a unique financial tool designed to enhance your shopping experience, both online & offline.

✨Ujjwal EMI Card Features:
☑️Enjoy online & offline shopping on easy EMIs
☑️Instant Pre-approved limit of up to ₹75,000
☑️No-Cost EMI options on the Home Credit Personal Loan App.
☑️Payment modes include auto debit, UPI, net banking, & debit cards.
☑️Experience a 100% digital loan process with our app.

At Home Credit, we ensure absolute safety of our customers using world class security & privacy standards to protect their data, ensuring a safe borrowing experience. All information requested from Home Credit is only used to generate the best offers for you.

Contact Us:
📧Email: care@homecredit.co.in
📱Call: +91-1246628888 (Between 9:00 AM - 6:00 PM, All Days)
🌐Website: https://www.homecredit.co.in/contact-us
🏢Address: Home Credit India Finance Private Limited, DLF Infinity Towers, Tower C, 3rd Floor, DLF Cyber City Phase II, Gurugram-122002, India
Updated on
27 Jun 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, Messages and 2 others
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
5.43L reviews
Raja Raj
18 June 2024
Guys, don't go for Home credit loan. In the beginning they will give you loan with a high rate of interest and if you can't be able pay for the EMI on the date. The next day the start to call you like more then 100+ times. It's a automatic outbound calls. If tell them to stop they won't listen to us. Keep on calling. So, please go for some other loan. I had an experience on this and about to attement suicide. Be aware of Home credit Scamers. 🙏🙏🙏🙏
4 people found this review helpful
Home Credit India Finance Private Limited
18 June 2024
Hi, We'd like to understand your concern in detail. Please write an email to us at online.care@homecredit.co.in
Charmaine M. deSouza
2 July 2024
Fraudulent company. Everything is fake. The phone numbers don't work. They take money as "processing fees", make a legit looking contract and send it to you. Everything looks extremely legit but nothing is. Don't fall prey to these scamsters!
3 people found this review helpful
Home Credit India Finance Private Limited
2 July 2024
Hi, We'd like to understand your concern in detail. Please write an email to us at online.care@homecredit.co.in
cynthia corda