Home Credit is one of India’s most trusted instant personal loan apps, offering quick approval and easy loans. With 14+ years of operations in India, Home Credit—an RBI‑registered NBFC—has served over 2 Crore customers nationwide. Home Credit’s instant personal loan app is rated 4.5★ on the Play Store, backed by 6 Lakh+ genuine user reviews.
With quick eligibility check & instant approval, quick disbursal & 100% online application process, the loan app offers instant personal loans of up to ₹4,80,000 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 minutes on our easy & secure loan app.
✅Quick Disbursal - Once approved, your loan gets disbursed directly to your bank account, ensuring fast access to funds
✅Trusted Loan App - Home Credit is a RBI-registered NBFC, trusted by 2 Cr+ happy customers.
✅Minimal Documentation - Apply for an instant personal loan with just 2 documents (PAN & address proof).
✅100% Safe & Secure - Enjoy complete transparency & security with no hidden charges.
✅Flexible Repayment Options - Repay your loan EMIs conveniently with our multiple repayment options.
✅Personalized Loan Solutions - Instant loan for medical emergencies, home renovation, higher studies, travel, or wedding expenses.
✨Why Choose Home Credit Personal Loan App?
✔ Easy, fast & 100% digital loan journey
✔ Trusted by 2 Cr+ happy customers
✔ 4.5 * rating on Google Play Store
📋How to Apply for an Instant Personal Loan Online?
👉Download the Home Credit Instant Personal Loan App.
👉Submit your basic details.
👉Upload your KYC documents.
👉Enjoy instant approval & quick disbursal directly to your bank account.
📋Eligibility Criteria for Home Credit Instant Personal Loan:
✔ Indian citizen.
✔Age: 18 - 60 years
✔Salaried, pensioner, or self-employed individual.
✔Must be an existing customer of Home Credit (should have availed Ujjwal EMI Card/ Consumer Durable Loans/ Personal Loan/ Any Other Home Credit Loan).
📋Documents Required to Apply for Instant Personal Loan:
✅PAN Card & address proof.
✨Personal Loan Features:
✔Loan Amount: Up to ₹4,80,000
✔Minimum Annual Percentage Rate (APR): 19.5%
✔Minimum repayment period: 9 months
✔Maximum repayment period: 60 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 will vary as per the risk profile of the customer.
Maximum APR can go up to 36%. 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 process.
At Home Credit, your data is protected with best‑in‑class security & privacy standards, ensuring a safe borrowing experience. We only use your information to provide you with the best loan offers.
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