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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
Why KreditBee?
✔ 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: Varied interests starting from 0% to 29.95% per annum.
Types of loans
ð Flexi Personal Loan - Need to borrow money? We offer short repayment terms from 62 days to 6 months for borrowing instant money ranging from ₹1,000 to ₹10,000. Only PAN card & address proof needed.
ð 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 card, address proof & salary proof needed.
ð 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 card & address proof needed.
ð 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 card & address proof needed.
ð 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 customer onboarding Fee: ₹ 200
GST on Processing and Onboarding Fees: ₹ 261
Total Interest: ₹ 5,581
EMI: ₹ 4,632
APR: 23.2%
Loan amount is ₹ 50,000. Disbursed amount is ₹ 48,289.
Total loan repayment amount is ₹ 55,581.
Eligibility
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
One of our primary partner NBFCs - Krazybee Services Private Limited is a Systemically Important NBFC within the group.
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.
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