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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
  • HA
    Home Appliances on EMIs

EMI Calculator

Price of mobile phone

  • 1000
  • 100000

Your preferred down payment amount

  • 0
  • 50000

Your preferred loan term

  • 3 Months
  • 24 Months
CALCULATE

Your estimated EMI

6250*

Interest Rate*

Processing Fee

Apply Now

*This is an approximate EMI calculation. The actual processing fee and rate of interest may vary. Interest rate for mobile phone on EMIs starts at 0%.

EMI Calculator

Estimated amount required

  • 10000
  • 480000

Your preferred loan term

  • 12 Months
  • 48 Months
CALCULATE

Your estimated EMI

3021*

Interest Rate*

Processing Fee

Apply Now

*This is an approximate EMI calculation. The actual processing fee and rate of interest may vary. Interest rate for Personal Loan starts at 1.6% on a monthly basis.

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

KNOW MORE
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.

KNOW MORE

EMI Calculator

Price of Home Appliance

  • 1000
  • 100000

Your preferred down payment amount

  • 0
  • 50000

Your preferred loan term

  • 6 Months
  • 36 Months
CALCULATE

Your estimated EMI

3125*

Interest Rate*

Processing Fee

Apply Now

*This is an approximate EMI calculation. The actual processing fee and rate of interest may vary. Interest rate for Home Appliances on EMIs starts at 0%.

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

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.

    KNOW MORE
  • 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  
  • Ab Shopping Karo Dil Khol Ke From Myntra

    Ab Shopping Karo Dil Khol Ke From Myntra

    Apni Ujjwal EMI Card Limit Use Karein Abhi!

    Shop Now  
  • Personal Loan offer

    Personal Loan offer

    Instant personal loan for your small needs or big celebrations.

    CHECK ELIGIBILITY  
VIEW ALL  
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
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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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    "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
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