ICICI BankVSKreditBee
ICICI Bank vs KreditBee Personal Loan
Detailed side-by-side comparison — rates, eligibility, pros & cons. Find which is better for your profile.
Interest Rate
9.99–16.5% ✓
12–27.5%
Min CIBIL
700+
No minimum ✓
Max Amount
₹50,00,000 ✓
₹10,00,000
Min Salary
₹30,000
₹10,000 ✓
Disbursal
24-48 hours
10 minutes
Processing Fee
Up to 2% + taxes
Up to 4.7% + GST
Prepayment
Nil after 12 months
Nil
Type
BANK
FINTECH
ICICI Bank wins on 2 features, KreditBee wins on 2. But the best lender for you depends on your salary and CIBIL — not just the specs.
ICICI Bank
✅Instant approval for existing customers
✅iMobile app makes it seamless
✅Competitive rates
❌700+ CIBIL required
❌Higher processing fee
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 — ICICI Bank or KreditBee for personal loan?
It depends on your profile. ICICI Bank offers rates from 9.99% (needs CIBIL 700+), 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.
ICICI Bank vs KreditBee — which has a lower interest rate?
ICICI Bank has the lower starting rate at 9.99%. However, your actual rate depends on CIBIL score and salary. Check your personalised rate on GoCredit.
What is the minimum CIBIL score for ICICI Bank and KreditBee?
ICICI Bank requires 700+, 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 ICICI Bank 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.
Get Money →🎯
Check Your Loan Eligibility
Instant result — no signup, no CIBIL impact