KreditBee is an instant personal loan app trusted by 1 Crore+ Indians. Avail personal loans starting from ₹ 1,000 to ₹ 2 Lakhs, as per your approved credit. On approval, get a direct bank transfer within minutes.
Get approved for personal, salary loans & EMIs with minimal documentation & small transaction fees.
Loan amount: From ₹1,000 to ₹200,000
Interest rates: From 0% to 29.95% per annum
Tenure: 62 days to 15 months
✔ Instant loan approval: Instant personal loans are approved within 15 minutes from registration to direct bank transfer.
✔ Shopping EMIs: Avail online purchase EMI loans for categories like fashion, electronics, travel, furniture & more.
✔ Transparency with customers: Loans from RBI certified NBFCs/Banks are made available to our customers.
✔ Flexible Interest rate: From 0% to 29.95% per annum.
Types of loans
👉 Flexi Personal Loan – We offer loans from 62 days to 6 months for borrowing instant money ranging from ₹1,000 to ₹15,000. Only PAN & address proof needed.
👉 Premium Loans for Salaried – Personal Loans worth ₹10,000 to ₹2 Lakhs with flexible disbursement tenure ranging from 3 to 15 months on our urgent loan app. Only PAN, address & salary proof needed.
👉 Premium Loans for Self Employed – Personal Loans worth ₹40,000 to ₹2 Lakhs with flexible disbursement tenure ranging from 3 to 10 months. Only PAN & address proof needed.
👉 Online Shopping Loan – Avail Buy Now, Pay Later EMI plans. Shop freely on partner platforms like Flipkart, Amazon, Myntra, Nykaa, MakeMyTrip & more with fast personal loans & E-vouchers. Only PAN & address proof needed.
👉 KreditBee Card – Purchase anything online, or withdraw cash directly into bank account. Pay back later. Only PAN card & address proof needed.
Personal Loan for Salaried (Example)
Loan amount: ₹ 50,000
Tenure: 12 months
Interest Rate: 20% per annum
Processing Fee: ₹ 1,250 (2.5%)
New cx onboarding Fee: ₹ 200
GST on Processing & Onboarding Fees: ₹ 261
Total Interest: ₹ 5,581
EMI: ₹ 4,632
Loan amount: ₹ 50,000
Disbursed amount: ₹ 48,289.
Total loan repayment amount: ₹ 55,581.
1. Indian resident
2. Above the age of 21 years
3. Should have monthly source of income
How to get started
1. Install KreditBee app
2. Create your account
3. Fill your basic details to check first level eligibility
4. Upload KYC documents – ID, Address Proof & PAN card
5. Avail Loan as bank transfer or E-voucher as per your request
KreditBee is a facilitator of the loan products and not an actual lender. All loans on the KreditBee app are disbursed by lenders who are duly registered NBFCs & financial institutions authorized by RBI to lend personal loans.
Fees & Charges
Interest rates range from 0%-29.95% with equivalent monthly interest rate of 0%-2.49% only.
A small processing fee is charged for loans:
0 – 3% charged for low risk customers
2.5% – 7% charged for high risk customers*
The APR for different personal loan products:
low risk customers is 0%-36%
medium risk customers is 18%-39%
high risk customers is 24%-42%
Very high-risk customers are 24%-70%
KreditBee charges a one-time service fee while onboarding or during upgrade which is ₹20-₹350 depending on the risk profile.
*The charges and repayment tenures vary based on creditworthiness and repayment ability of the customers. Penalty is charged only when someone delays their scheduled payment.
16/3, Adarsh Yelavarthy Centre, opp to Frank Anthony School, Cambridge Layout, Jogupalya Bangalore Karnataka 560008 India
Get your loan approved instantly. Download the app now!