Home credit personal loan-Interest Rate 13% to 30% p.a-instant loan

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Home credit personal loan

Home credit personal loan-Home credit loans give you quick and easy access to finances. They are useful when you need money to meet specific financial obligations. You can get a loan of up to Rs. 2 lakh with low interest rates. The loan’s interest rate ranges from 13 percent to 30 percent, depending on the payback period. You have four years to repay the loan.

Home credit personal loan details

Interest RateProcessing FeeMax Tenure
13% to 30% p.a.Zero Processing FeeUp to 48 months

Home Credit loans provide quick, simple, and safe access to finances. All you have to do is register online using your phone number and email address, or download the app and fill out the application form to receive immediate approval.

Home Credit Cash Loans: Features and Advantages


See the list below for a list of essential characteristics and benefits of Home Credit Cash Loans to see if this scheme is perfect for you based on your personal requirement, unique scenario, and repayment capacity.

Digital loan applications – Under this financing arrangement, all loan applications are processed digitally. As a result, you can rest confident that you will not have to wait in long lines to obtain the dollars you desire. You can apply for this plan at any time of day, from the comfort of your own home.

Loan amount – Customers can withdraw a loan up to Rs.2 lakh by requesting a credit advance under this scheme, which can be returned in a short period of time.
Instant loan acceptance – When a person asks for a cash loan through Home Credit, the loan application is accepted practically immediately. This is due to the fact that the full loan application procedure is completed online, which allows for faster loan processing and approval than any other way.

Easy and hassle-free application process – The company ensures that the loan application procedure for these loans is not only straightforward but also hassle-free, by providing a user-friendly platform to apply for the loans.


Quick disbursement of funds – With online loan applications and instant loan approval, the loan money can be disbursed to the borrower’s bank account in no time. As a result, a person who applies for a loan under this scheme will be able to get immediate cash to deal with an emergency financial issue.

Customers do not have to provide any physical documents for the verification process because Home Credit Cash Loans uses an online application approach. Instead, individuals can simply provide digital copies of all essential documents when applying for a loan online.


Multiple repayment alternatives – This company provides a number of options for repaying this loan. Customers can choose an option that suits them best and repay the loan in equal monthly payments. Borrowers can pay their equated monthly installments (EMIs) using a variety of online payment options, including a payment gateway.

Individuals will also be able to choose a repayment schedule that is convenient for them. This will help them avoid defaulting on their loan repayment.
No collateral is required – Because this is an unsecured loan, the borrower is not required to offer any collateral or a third-party guarantor as security to secure the funds he or she requires under this financing plan.

Loan open to all borrowers – The borrower does not have to be a current customer of the company to be eligible for this loan. This program is open to all types of clients, both new and old.

Eligibility Criteria for Home Credit Personal Loan

The applicant should be at least 19 years old.
The customer must be an Indian national.
The borrower must have a current Aadhaar card.
The customer must have an active bank account with access to internet banking.

Documents Required for Home Credit Personal Loan

PAN (Personal Identification Number) card
An aadhaar card is a unique identification number issued by the government of India.
Passports, voter identification cards, driver’s licenses, and Aadhaar cards are examples of proof of identity.
Photographs the size of a passport
Details of the borrower’s bank account
The applicant’s monthly income must be at least Rs.15,000.

Apply for a Cash Loan From Home Credit

  • Go to https://www.homecredit.co.in/online-loan/#/home/main to access Home Credit’s official website.
  • Fill in your name and phone number, then click ‘Apply Now.’
  • The loan application will open in a new window.
  • Next, on the website, click the ‘Want to Apply’ button.
  • A tiny form will appear, asking for your name, email address, and phone number.
  • Complete the form to the best of your ability and click ‘Continue.’
  • Once Home Credit gets your request form, a representative from the organisation will contact you with a customised estimate.
  • After that, you can choose the best plan and submit your loan application.

The funds will be sent to your bank account as soon as your loan is approved.

Home Credit Cash Loans Customer Care

Phone Number91 – 124 – 662 – 8811/+91 – 124 – 662 – 8888
Official Mail Idcare@homecredit.co.in
onlineloan@homecredit.co.in

What is the procedure for applying for a Home Credit Cash Loan?
You can apply for a home credit cash loan by going to the Home Credit website or using the Home Credit mobile app.

You can repay your loan online, through the Home Credit mobile app, or in person at your local Home Credit location. To pay your loan by bill, you can go to the local Axis Bank, ICICI Bank, India Post, or Vodafone Stores branch. You can also use Paytm, PayU, or Vodafone MPesa to make a payment. You can use your credit card, debit card, UPI, net banking, or e-wallets to make a payment.

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