OneScore: Credit Score Insight

4.5
15.1L reviews
1Cr+
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 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 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 loan offer with 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 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.

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 support@fplabs.tech. Do visit our website to contact us for any queries at https://onescore.app.
Our address: OneHQ, Westbay, Aundh, Pune, MH - 411007 IN
Updated on
12 Nov 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 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
15L reviews
Ankit Shukla
11 November 2024
It's been more than 8 months since i have been using onescore but not even once it was able to fetch my cibil score, everytime it says "uh oh something went wrong please try again after sometime". Edit - I noticed that it doesn't shows previous enquiries nor the old ones neither the latest. According to Experian I never had a bank enquiry when I know for fact that I do and additionally my CIBIL report shows history of the same. So app is 50% correct 50% IDK.
11 people found this review helpful
FPL Technologies
12 November 2024
Hey Ankit, there could be multiple reasons for this issue. Please ensure your details are the same as the ones registered with the bureaus to fetch the score. In case you need any further assistance, drop us an email along with the screenshot of the app screen at onescorehelp@onescore.app & share the allotted ticket ID here. - Sangu
Rahul Aggarwal