Bajaj FinservVSKreditBee
Bajaj Finserv vs KreditBee Personal Loan
Detailed side-by-side comparison — rates, eligibility, pros & cons. Find which is better for your profile.
Interest Rate
10–30.5% ✓
12–27.5%
Min CIBIL
650+
No minimum ✓
Max Amount
₹55,00,000 ✓
₹10,00,000
Min Salary
₹20,000
₹10,000 ✓
Disbursal
24 hours
10 minutes
Processing Fee
Up to 4.13% (incl. taxes)
Up to 4.7% + GST
Prepayment
Up to 4.72%
Nil
Type
NBFC
FINTECH
Bajaj Finserv wins on 2 features, KreditBee wins on 2. But the best lender for you depends on your salary and CIBIL — not just the specs.
Bajaj Finserv
✅Flexible tenures (1-96 months)
✅Accepts 685+ CIBIL
✅Very wide reach across India
❌Higher interest rates for lower CIBIL
❌Processing fees can add up
KreditBee
✅No CIBIL score required
✅Disbursal in 10 minutes
✅Good for first-time borrowers
❌Very high interest rates
❌Short maximum tenure
Frequently Asked Questions
Which is better — Bajaj Finserv or KreditBee for personal loan?
It depends on your profile. Bajaj Finserv offers rates from 10% (needs CIBIL 650+), while KreditBee starts at 12% (needs CIBIL 0+). GoCredit’s AI Loan Agent compares both and 50+ other lenders to find the best rate for your exact profile.
Bajaj Finserv vs KreditBee — which has a lower interest rate?
Bajaj Finserv has the lower starting rate at 10%. However, your actual rate depends on CIBIL score and salary. Check your personalised rate on GoCredit.
What is the minimum CIBIL score for Bajaj Finserv and KreditBee?
Bajaj Finserv requires 650+, KreditBee requires no minimum. If your score doesn’t meet either threshold, GoCredit’s AI matches you with lenders that accept your current profile.
Should I apply to Bajaj Finserv or KreditBee?
Instead of choosing one, use GoCredit’s AI Loan Agent to apply to both simultaneously along with 50+ other lenders. You get the best offer without multiple applications and hard enquiries.
Why Compare Just 2?
GoCredit's AI Loan Agent compares 100+ lenders simultaneously and finds the absolute best rate for your exact profile — salary, CIBIL, and loan amount. One click, all offers.
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Check Your Loan Eligibility
Instant result — no signup, no CIBIL impact