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Only 2 documents
needed

Only two documents required to process your loan

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No credit history
required

Get a loan from us even if you have never taken one before

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Affordable
loans

Easy EMIs starting at 0% rate of interest. Terms & conditions apply.

No hidden charges

No hidden
charges

Transparent terms & conditions for your peace of mind

Still have some questions?
Check out our FAQs section for more information

No credit history? No problem
We welcome first-time borrowers

  • 0% interest rate*
    mobile phones
    Mobile Phone on EMIs
  • Personal Loan
    Personal Loan
    ** for existing customers
  • Ujjwal EMI Card
    Home Credit Ujjwal EMI Card
  • Flexible Personal Loan
    Flexible Personal Loan
  • Care360° Protection
    Care360° Protection
  • HA
    Home Appliances on EMIs

EMI Calculator

EMI Calculator

Ujjwal EMI card

Shop smart with Home Credit Ujjwal EMI Card

Get up to ₹75,000 pre-approved credit limit

Shop conveniently online and also across 53,000 partner shops.

Down Payment

Buy the product of your choice and enjoy the benefit of easy repayments.

Instant Limit

Enjoy the convenience of pre-approved limit of ₹75,000

on-time

One-time submission of your KYC documents

Free Early Repayment

Pre-close the loan account anytime with no extra cost

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Flexible Personal Loan

Apne sapne kyu karein adjust, jab loan hai bilkul flexible!

Pre-approved limit se multiple withdrawals karein, or interest pay karein sirf nikale gaye amount par. #ChoiceAapkiHai

Pre- approved limit

Instant Flexible Credit limit up to ₹ 100,000, available for up to 36 months.

Savings on interest

Pay interest only on the amount you withdraw and not on the entire approved credit limit.

Multiple withdrawals

Get money when you need, with no additional documentation or extra charges.

Flexible repayments

Repay the outstanding principal whenever you have funds, pay the minimum amount due every month.

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Care360° Protection

Protect you and your family from unexpected crisis at just ₹6.9* a day!

Also get Health Services, complimentary Life & Health Insurance, complimentary Home & Online Fraud Insurance.

*Terms & Conditions apply.

100% value back of what you pay

Buy the plan of your choice today & get 100% value back in vouchers, equal to plan price

Free Ujjwal EMI Card with Plan purchase

Free Ujjwal EMI Card with Plan purchase

Option to pay at No cost EMI

Option to pay at no cost EMI, with zero down payment

Buy at Shop or Online

Buy at Home Credit Partner Shop or Online with ease

Know More

EMI Calculator

Trusted by 1.7 Cr+ happy customers

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  • Jaaniye Kaise Ek Naye Phone Ke Saath Hua Travel Blogger Banne Ka Sapna Saakaar

    Jaaniye Kaise Ek Naye Phone Ke Saath Hua Travel Blogger Banne Ka Sapna Saakaar

  • Apne Naye Phone Ke Saath Banaya Nimrat ne Apne Khaane Ko He Apna Career

    Apne Naye Phone Ke Saath Banaya Nimrat ne Apne Khaane Ko He Apna Career

  • Home Credit Ke Saath Naya Mobile Khareedkar Apoorv Ne Banayi Social Media Par Apni Ek Nayi Pehchaan

    Home Credit Ke Saath Naya Mobile Khareedkar Apoorv Ne Banayi Social Media Par Apni Ek Nayi Pehchaan

  • Dekhein Kaise Naya Mobile Khareedkar Madan Ne Badhai Apni Family Ke Saath Connectivity

    Dekhein Kaise Naya Mobile Khareedkar Madan Ne Badhai Apni Family Ke Saath Connectivity

  • Janiye Kaise Naya Mobile Le Aaya Mahesh Family Mein Raunak

    Janiye Kaise Naya Mobile Le Aaya Mahesh Family Mein Raunak

Get instant access to services specially curated for you!

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  • home credit india

    Safe Pay

    Enjoy peace of mind with our unique bundled offering to help you cover your loan repayment in case of Emergency.

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  • mobile protect

    Mobile Protect

    Protect your phone from breakage and liquid damage with Home Credit’s Mobile Protect.

    KNOW MORE
  • Credit Score Check

    Credit Score Check

    Free Credit Score Check. Track and improve your credit score for any future loan or EMI requirements.

    CHECK HERE
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Enabling you to fulfill your big dreams

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  • Shop online with ease using Ujjwal EMI card

    Shop online with ease using Ujjwal EMI card

    Shop across categories like Mobiles, Electronics, Travel, Lifestyle & more using your Home Credit Ujjwal EMI card. Shop on easy EMIs from the comfort of your home.

    KNOW MORE  
  • Care360° Protection

    Care360° Protection

    Protect your family from unexpected crisis by getting access to health services, complimentary life, health, home, and online fraud insurance.

    KNOW MORE  
  • Personal Loan offer

    Personal Loan offer

    Instant personal loan for your small needs or big celebrations.

    CHECK ELIGIBILITY  
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Your loan in your pocket

Your loan in your pocket

Home Credit Mobile App – easy to install, easy to use

Apply for a personal
loan instantly
Discover exclusive
offers
Repay your EMIs easily
Access your loan
details on-the-go
google play KNOW MORE
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Why choose us

Quick, easy & convenient loans for everyone
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No credit history
required

Get a loan from us even if you have never taken one before

Instant <br> approvals
Instant
approvals

Get your loan request approved instantly

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Convenient
repayment modes

Pay online, on app or authorized collection centres

hidden charges
No hidden
charges

Transparent terms & conditions for your peace of mind

Trust of our 1.7 Crore+ customers
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  • customer-2

    "Maine apne dono phone Home Credit se finance karvaya hai. Process bhut aasaan hai, main Home Credit ke sath juda rahunga aur friends ko recommend krta rahunga."

    - Nitesh Jain

    Purchased: Mobile Phone Watch Video Home Credit Video Play
  • customer-2

    "EMI aaraam se pay  kar sakte hain app ke saath, bina kisi problem ke."

    - Sonu Mehta

    Purchased: Mobile Phone Watch Video Home Credit Video Play
  • Resham Devi

    "Maine 2 mobile aur 1 fridge liya, aur aage aur bhi lene wali hoon. Maine home credit ke easy terms ke sath apni zarooratein aasani se poori ki."

    - Resham Devi

    Purchased: Home Appliances Watch Video Home Credit Video Play
  • customer-2

    "Jaise bola tha, ussi hisab se EMIs mili. Maine Home Credit ke convenient EMI plans ke saath apne manpasand phones liye, bina kisi problem ke."

    - Peer Hasan

    Purchased: Mobile Phone Watch Video Home Credit Video Play
  • Tarun Jaiswal

    "Home Credit ke saath apni zaroorat ki cheez khareed sakte hain aur easily pay kar sakte hain."

    - Tarun Jaiswal

    Purchased: Mobile Phone Watch Video Home Credit Video Play
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