OneScore: Credit Score Insight

1.27M reviews
Content rating
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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.

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 Do visit our website to contact us for any queries at
Our address: OneHQ, SN 127, Near Sarjaa Hotel, Aundh, Pune, MH - 411007 IN
Updated on
Jun 12, 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

1.27M reviews
Gopal R
May 18, 2024
Worst App. If you click on offers this app will automatically add an "enquiry" to your credit report. It doesn't matter if you applied or not. I don't have any offers but they showed 1 on the home page. When I clicked on it I got mail that sorry your ONE credit card application was rejected. Fact is I never applied for it. Then in my next credit report it showed as Credit Equiries: 1 .
19 people found this review helpful
FPL Technologies
May 18, 2024
Greetings to you, Gopal! It seems that you are having some queries, Kindly write us at from your registered email ID. Also, drop your ticket ID here for a swift response. To access additional features, stay connected and use the OneScore app. We're practically grinning at you! ✨ -Geet🧡
Тень навсегда
May 26, 2024
I am pleased to know that I no longer have a credit history. All my loans and credit cards have been wiped clean by Onescore.Clearing data and cache means I can no longer login cause "error in generating OTP". No point writing email to them because since I cannot login I cannot create ticket. Wonderful app.
12 people found this review helpful
FPL Technologies
May 26, 2024
Hello there, your experience with OneScore matters to us, and we want to address your concerns. Feel free to email us from your registered email ID at along with the screenshot of the error and share the assigned ticket ID here. We're ready to help you here. - Sangu
Subhodip Pal
May 9, 2024
Recently I have installed the app v3.14.87, Application having issue with login process, after entering OTP every time it shows incorrect OTP. and then I find it send same OTP again and again even if I choose get it vai call option though it tell same OTP, and every time it failed. maybe there have some issue with backend. OTP generate authenticate method didn't work please fix this ASAP.
12 people found this review helpful
FPL Technologies
May 10, 2024
Hey Subhodip! We regret to hear about your experience with us. We would like to discuss and address your concern in detail so we request you please drop us an email from your registered email address at along with the screenshot of the error and share the ticket ID here so that we can be immediately at your service. - Arsh

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!