Hero FinCorp
- Approval in about 10 minutes
- Quick disbursal
- 100% digital process
Lender grievance officer
- Name:
- Ms. Monica Arora
- Phone:
- 0124-3633945
Personal loans, compared in minutes
Share a few details once and see which of our lending partners can offer you a personal loan — without visiting a branch or paying us anything.
- Loan amount
- ₹2,000 – ₹5 lakh
- Interest rate
- From ~10.5% p.a.*
- Tenure
- 3 – 60 months
- Collateral
- Not required
* Indicative figures. Final terms are set by the lender.
EMI calculator
₹
₹5K₹15 L
%
9%36%
mo
1 mo6 yrs
Monthly EMI
₹4,801
- Principal
- ₹1,00,000
- Interest
- ₹15,231
- Total payable
- ₹1,15,231
Illustrative, using the reducing-balance method. Your actual rate and EMI are set by the lender.
How to apply
Apply for a personal loan online
Three simple steps, all from your phone.
- 1
Enter your mobile number and verify it with an OTP
- 2
Tell us about your income and the amount you need
- 3
Compare matched offers and continue with the lender you choose
Apply online
Check your personal loan offers
Share a few details and we'll match you against every lending partner's criteria. It's free, and it won't affect your credit score.
- Takes about two minutes
- Only RBI-regulated banks and NBFCs
- No charges to you, ever
- Your details are shared only with the lenders you're matched to
Documents required
Lenders may ask for more depending on your profile.
- Identity proof
- PAN card and Aadhaar
- Address proof
- Aadhaar, passport, utility bill or rent agreement
- Income proof
- Last 3 months' salary slips
- Bank statement
- Last 3–6 months of your salary account
- Identity proof
- PAN card and Aadhaar
- Address proof
- Aadhaar, passport, utility bill or rent agreement
- Income proof
- ITR for the last 1–2 years
- Bank statement
- Last 6 months of your primary account
Eligibility criteria
Typical requirements. Each lender applies its own rules.
Age: 21 to 58 years (varies by lender)
Nationality: Resident Indian
Monthly income: Usually ₹15,000 or more
Credit score: 700+ improves approval chances
Employment: Salaried or self-employed with steady income
Fees & charges
Know the full cost upfront
Compare the Annual Percentage Rate (APR) in each lender's Key Fact Statement, not just the interest rate.
| Charge | Typical range* |
|---|---|
| Interest rate | Around 10.5% – 36% p.a., set by the lender |
| Processing fee | Typically 0% – 4% of the loan amount + GST |
| Prepayment / foreclosure | Nil – 5% of outstanding principal |
| Late payment | Typically 1% – 3% per month on the overdue amount |
| EMI bounce | Around ₹400 – ₹600 per instance |
| CredoCash service fee | ₹0 — we never charge borrowers |
* Indicative market ranges, set by the lender and subject to change. GST applies where stated.
How CredoCash works
We do the matching. You stay in control.
Share your details once
Create your CredoCash account and tell us what you need. It takes about five minutes.
We match you with lenders
Our rules engine checks your profile against each partner's criteria, so you only see lenders likely to approve you.
You choose and apply
Pick an offer and complete KYC with the lender. The lender approves, sets the terms and disburses directly to you.
Before you apply
Things to know
Read the Key Fact Statement
Every regulated lender must give you a KFS showing the APR, all charges and the repayment schedule before you sign. Compare APR, not just the interest rate.
Borrow only what you can repay
Keep your total EMIs below about 40–50% of your monthly take-home pay to avoid stress on your budget and credit score.
Cooling-off period
Digital loans come with a cooling-off (look-up) period during which you can exit the loan by repaying the principal and proportionate APR, without penalty.
Never pay upfront
No genuine lender or CredoCash asks for money before disbursal. Report any such request to us immediately.
Lending partners
Personal Loan partners
Zype
- Loans up to ₹2 lakh in about 6 minutes
- Small-ticket loans from ₹2,000
Lender grievance officer
- Name:
- Paritosh Malondkar
- Phone:
- +91 99303 44937
- Email:
- info@getzype.com
Creditt+
- Instant loans for salaried professionals
- Short tenures
Fatak Pay
- Loans up to ₹5 lakh
- Simple, fully digital approval
Lender grievance officer
- Name:
- Ms. Vaishnavi Batulkar
- Phone:
- +91-9076058709 / 079-69699880
- Email:
- escalation@fdplfinance.com
FAQs
Personal Loan questions
Does CredoCash give loans itself?
No. CredoCash is a loan service provider that connects you with RBI-regulated banks and NBFCs. The lender decides on approval, amount and interest rate, and disburses the loan directly to your bank account.
Will checking offers affect my credit score?
Comparing offers on CredoCash does not affect your score. When you choose to apply with a lender, that lender may run a hard enquiry, which can have a small, temporary impact.
How quickly will I get the money?
Many digital personal loans are disbursed the same day once KYC and verification are complete. Exact timelines depend on the lender.
Can I prepay my personal loan?
Most lenders allow part-prepayment or foreclosure after a few EMIs. Some charge a fee; check your Key Fact Statement.
What happens if I miss an EMI?
The lender may charge a late fee and report the delay to credit bureaus, which lowers your credit score. Contact the lender early if you expect difficulty paying.
No fees · No credit score impact
Find a Loan That Fits Your Needs
Compare offers from RBI-regulated lenders in a few minutes. It's free, and checking offers won't affect your credit score.