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Apply For ₹5 Lakhs Loan eligibility in Minutes!
Start off the process with just a few details
- Loan Detail
- Details
- Eligibility
- Sanction
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Start off the process with just a few details
Every offer is reviewed by our credit team before it reaches you — no auto-generated, one-size-fits-all rates.
Apply, get approved and sign — all from your phone. No paperwork, no branch visits, no collateral.
See the lowest available rate and every flexible tenure side by side before you commit to anything.
We route your application exclusively to RBI-registered partners, so your loan is on record and protected.
No branch queues, no stacks of forms — just three steps logged from your phone.
A two-minute form covering the basics — income, employment and loan need.
Compare approved offers and choose the EMI plan that fits your budget.
Complete e-KYC online and receive funds directly in your bank account.
21 – 65 years
At the time of application and loan maturity.
₹15,000+
Minimum for salaried applicants.
Indian Resident
Valid Indian address and KYC documents required.
I needed funds fast for my father's surgery. Credit24 approved the loan within hours, and the whole process stayed transparent from start to finish.
My daughter's wedding expenses came up with almost no notice. The application on Credit24 was simple, honest about the numbers, and the money landed the same day.
A medical emergency meant I couldn't wait. Credit24 got me approved quickly and the funds were in my account within hours — genuinely stress-free.
Borrow between ₹5,000 and ₹15,00,000, based on eligibility.
1.5% – 5% of the loan amount, deducted upfront.
2% of the outstanding principal if you repay early.
Repay over a flexible window of 6 months – 5 years.
Every fee we charge, listed before you sign — nothing added later.
0.9% – 3%
Depends on credit profile & lender
10.5% – 45%
Inclusive of processing & insurance costs
₹500
Charged per instance
2% / month
Applied to the overdue EMI
Annual Percentage Rate (APR) is the true yearly cost of your loan — the interest rate plus processing fees and insurance, folded into one number. Two loans of the same amount can carry a very different APR depending only on how long you take to repay them, as the worked examples below show.
A ₹5 lakh loan at 10% p.a., repaid over 60 months.
The same ₹5 lakh loan at 10% p.a., repaid over 12 months.
Disclaimer: Loan tenure ranges from 6 to 60 months, with interest rates between 11% and 34% per annum, and a processing fee of up to 2% may apply. Example: A loan of ₹1,00,000 at 12.5% p.a. for 12 months with a 2% processing fee would have an estimated interest of ₹6,720, processing fee of ₹2,000, total repayment of ₹1,08,720, and an APR of approximately 14.27%. These figures are indicative only, and the final loan amount, interest rate, tenure, fees, APR, and approval are subject to the respective lender/NBFC's policies and eligibility criteria. TheCredit24.com is not a lender, does not guarantee loan approval, and any payment made is towards service charges only. Beware of fraud: Make payments only through the official website thecredit24.com and never through any individual, bank account, UPI ID, or third-party source.
Dear Applicant, do keep the digital copy of Pan Card and Bank Statement handy to avail full benefits of your online Personal Loan application. You would be required to upload these documents later for completing your loan application. (* only .jpg, .jpeg, .pdf formats allowed)
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