Home Credit Personal Loan
Loans for everyone — even with no credit history
nbfc3.5/5 (12,000 reviews)Disbursal: 48 hours
Interest Rate
19%
to 56%
Loan Amount
₹2,00,000
min ₹10,000
Min CIBIL
None
No CIBIL needed
Tenure
48
months max
Home Credit Personal Loan Details
| Interest Rate | 19% - 56% p.a. |
| Loan Amount | ₹10,000 to ₹2,00,000 |
| Tenure | 9 to 48 months |
| Processing Fee | Up to 5% |
| Prepayment | Nil |
| Min CIBIL Score | No CIBIL required |
| Min Salary | ₹8,000 |
| Age | 19 to 68 years |
| Employment | salaried, self-employed, new-to-credit |
| Disbursal Time | 48 hours |
Pros
- +No CIBIL required
- +Very low minimum salary (₹8,000)
- +Strong Tier 3/4 presence
- +Doorstep service
Cons
- -Very high interest rates (up to 56%)
- -High processing fees
Best For
Low-income borrowers in rural/semi-urban areas
Special Offer
Doorstep cash loans for underserved borrowers
Download GoCredit AppGoCredit matches your profile to Home Credit & 14 other lenders