OneScore: Credit Score Insight

FPL Technologies

About this app

OneScore is here to simplify credit management like never before. The new update comes with a smoother app experience and smarter ways of tracking all your credit accounts in detail - in one place.

On the latest version of OneScore, you can get a bird’s eye view of all your credit & loan accounts under one tab. You can still check your Experian & CIBIL score for free while we share customised actions to help you build better credit history or credit record.

But that's not all - we're excited to announce the launch of One InstaLoan, a new personal loan product offered in partnership with Federal Bank. With One InstaLoan, you can get quick and easy access to the funds you need, with minimal hassle and a seamless application process. Trust us to help you manage your credit and financial needs with ease and convenience.

Take charge of your credit health with OneScore

- Check out your credit score and credit report on the go
- Apply for Personal Loan & get the amount disbursed instantly
- Monitor all your loan and credit accounts under one tab
- Set up reminders for bill payments & EMIs
- Get personalised insights on how to manage your credit
- Understand the factors that affect your score
- Learn A-Z of credit management & be prepared for any major milestone in life

Free Experian & CIBIL Score

Check your Experian & CIBIL score in an instant for free. No spam, no ads. Just your credit score delivered in an instant.

Alerts on new credit score changes

Get notified about changes in your score in real time. Stay in charge of your credit score by seeing what potential lenders may see.

Find out why

OneScore 2.0 keeps you informed about your credit score every step of the way. The ‘Find out why feature’ analyses your data and tells you all the reasons why your credit score has changed.

Credit Score planner

Building a credit score is now easier with the score planner. It doesn’t matter where you are on your credit journey, the score planner will tell you just the steps you need to manage your credit better.

Credit Score Simulator

If you don’t have a credit score yet, OneScore 2.0 gives you an opportunity to learn the credit moves that can take your credit score to the next level. Simulate your credit score and get suggestions on how to get started with your credit journey the perfect way.

My loans

The all-new features OneScore 2.0 will give you a bird’s eye view of all loan & credit card accounts. You’ll be able to set reminders, view your repayment history, and all other crucial details on all your accounts.

Report errors

Seeing an incorrect entry on your credit history? Worry not, now you can report any error in your credit record with a simple click.

Customers applying for a Personal Loan should make note of the below :

• Lending partner: Federal Bank
• Minimum tenure: 12 Months
• Annual Percentage Rate (APR): 12.5% to 19%
• Processing fees: 1.5% To 2.5% (Rs. 999 being the Minimum).

Please note that, in all the cases where loan is opened on or after 6th of a month, even though the first interest demand date would be till 5th of next month, the EMI will fall on the 5th of month succeeding the next month. The interest from the period of loan opening to the first interest demand date is termed as the Broken Period Interest.

• For example, on a personal loan of Rs. 55,000 at an interest rate of 13.5% with repayment tenure of 4 years, the EMI will be Rs. 1,489. The amount disbursed working would be:

Loan Amount : Rs.55,000
Processing Fees : (Rs.999)
Broken Period Interest : (Rs.244.11) (based on the date the loan is disbursed, BPI is calculated based on the interest till the first EMI date)
GST on Processing Fees : (Rs.179.82)
Amount Disbursed to customer: Rs.53,577

However, in case of change of payment mode or any delay or non-payment of EMIs, additional charges / penal charges may also be applicable, depending on the lender's policy.

Ratings and reviews

Well, if you want a simplified, no-spamming source to get your free credit score, OneScore is the way to go. You can also opt for the in-app offering of the OneCard. I loved the representation and analysis of the credit scores from CIBIL and Experian bureaus within this app. Also it automatically refreshes every month, no manual intervention and reminders needed. It's simple and does exactly what it offers. Loved it.

Faced a minor problem syncing my bank account, but it's not a major concern. After setting everything up, the app's real-time updates amazed me. Having all my financial information at my fingertips is incredibly convenient.

This app is not able to fetch my credit history while other apps are able to fetch the same. I contacted customer care through email, but sadly I didn't get any response. I have shared the screenshot in the same email also. What is the issue with this app? I am getting my credit reports from cibil and experian regularly in email. But why Onescore is unable to fetch?

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!