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Loan amount: From ₹1,000 to ₹200,000
Interest rates: From 0% to 29.95% per annum
Tenure: 62 days to 15 months

KreditBee is an Instant Personal Loan App & Credit Platform for Young Professionals across India, where you can apply for Instant Personal Loan Online & avail up to ₹2 Lakh as Direct Cash Transfer to Bank Account.

KreditBee is a platform facilitating the loan transactions between the borrowers and the NBFCs/Banks. All loan applications are approved and sanctioned by NBFCs/Banks registered with RBI and communicated upfront during Loan application.

One of our primary partner NBFCs - Krazybee Services Private Limited is a Systemically Important NBFC within the group companies carrying the KreditBee brand.

Loan Types

Flexi Personal Loan - A flexible loan option where you can avail loans within 10 minutes as direct bank transfer. All you need is your PAN Card & Address Proof to avail ₹1,000 to ₹50,000 for a tenure ranging from 62 days to 6 months.

Personal Loan for Salaried - A personal loan option where you can avail amounts from ₹10,000 to ₹2 Lakhs as direct bank transfer for tenure ranging from 3 to 15 months. All you need is your PAN Card, Address Proof and Salary Proof.

Online Purchase Loan - A loan option where you can Buy anything Now, Pay Later in EMIs. Via this option, you can avail E-vouchers on KreditBee App on loan, purchase on KreditBee's partner platforms like Flipkart, Amazon & many more through those e-vouchers, and pay later in EMIs.

Personal Loan for Salaried example:
Loan amount: Rs. 50,000
Tenure: 12 months
Interest Rate: 20% per annum
Processing Fee: Rs. 1,250 (2.5%)
New customer onboarding Fee: Rs. 200
GST on Processing and Onboarding Fees: Rs. 261
Total Interest: Rs. 5,581
EMI: Rs. 4,632
APR: 23.2%
Loan amount is Rs. 50,000. Disbursed amount is Rs. 48,289. Total loan repayment amount is Rs. 55,581

Flexi Personal Loan example:
Loan amount: Rs. 10,000
Tenure: 3 months
Interest Rate: 27% per annum
Processing Fee: Rs. 500 (5%)
GST on Processing Fees: Rs. 90
Total Interest: Rs. 453
EMI: Rs. 3,484
APR: 47%
Loan amount is Rs. 10,000. Disbursed amount is Rs. 9,410. Total loan repayment amount is Rs. 10,453

Features

1. 100% Online process
2. Fast approval
3. Immediate bank transfer

Eligibility

1. Indian resident
2. Above the age of 21 years
3. Should have monthly source of income

How to get started

1. Install KreditBee App
2. Create your account
3. Fill your basic details to check first level eligibility
4. Upload KYC documents - ID, Address Proof & PAN card
5. Avail Loan as bank transfer or E-voucher as per your request

Fees & Charges
Interest rates range from 0%-29.95% with equivalent monthly interest rate of 0%-2.49% only.
A small processing fee is charged for loans e.g. for low risk customers 0% - 3% of the principal, for very high-risk customers 2.5% - 7%*.
KreditBee charges one-time service fee while onboarding or during upgrade which is ₹20-₹350 depending on the risk profile.
*The charges and repayment tenures vary based on creditworthiness and repayment ability of the customers. Penalty is charged only when someone delays their scheduled payment.

The APR for different products is separate as per the risk profile of the customers. The APR for different personal loan products: low risk customers is 0%-36%, medium risk customers is 18%-39%, high risk customers is 24%-42% and very high-risk customers is 24%-70%.

Contact Us

1. Twitter: Tag us @kreditbee for quick response
2. Mail: help@kreditbee.in
3. Call: 08044292200

Address
16/3, Adarsh Yelavarthy Centre, opp to Frank Anthony School, Cambridge Layout, Jogupalya Bangalore Karnataka 560008 India