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KreditBee Personal Loan

Looking for a personal loan to meet your sudden financial needs? Apply online for loan amount starting from Rs. 6,000 to Rs. 10 lakh at an interest rate starting from 12% p.a. with flexible repayment plans. Even if you are having a low CIBIL score, you can still explore various personal loan options customized to meet your financial requirements.

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About Kreditbess Personal Loan

  • Interest Rate: 12% - 28.5% p.a.
  • Loan Amount: Rs. 6,000 to Rs. 10 lakh
  • Repayment Tenure: From 6 months to 5 years
  • Processing Fee: Up to 5.1%  of the loan amount + GST

Note: Interest Rate updated as of 14 August 2025.

KreditBee Personal Loan Interest Rates in 2025

​KreditBee offers personal loans at an interest rates ranging from 12% to 28.5% per annum, depending on various factors, such as your credit score, income, employment, employer’s profile, loan amount, and chosen repayment tenure.

Eligibility Criteria

​To be eligible for a KreditBee personal loan, you must meet the following criteria:

  • Age to be 21 years and above
  • Minimum Net Monthly Income of Rs. 10,000
  • Monthly household income more than Rs. 25,000
  • Work Experience: Min. 2 months in your current company

Required Documents for KreditBee Personal Loan

To apply for a KreditBee personal loan, you shall need to provide below mentioned documents based on your employment status:

  • Passport-sized photographs
  • Applicant’s PAN
  • Address Proof (Permanent & Current Address)
  • Income Proof (Bank Statements reflecting Monthly Income)
  • Employment Proof for salaried employees (Salary Slip / Office ID / UAN authentication)

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KreditBee Personal Loan Fees & Charges

​Find below comprehensive breakdown of KreditBee’s personal loan fees and charges for your consideration.

Particulars Charges
Processing Fees Up to 5.1% + GST
Foreclosure charges 4% of principal outstanding + GST
Part-Prepayment Charges 4% of principal prepaid + GST
Penal Charges For 2-180 days: 36% per annum on principal overdue + GST
EMI Bounce Charges 1st Day - 4% of principal overdue or ₹500, whichever is lower

KreditBee Personal Loan Repayment Options

KreditBee offers flexible personal loan repayment options to its customers. Find below the typical loan repayment options:

  • Tenure: KreditBee usually offers personal loan tenures ranging from 6 months to 5 years depending upon your loan type and eligibility.
  • EMIs: Repayment option of EMIs are widely chosen by borrowers that include both principal and interest amount. EMIs are calculated on the basis of offered interest rates, loan amount and chosen repayment tenure.
  • Repayment mode: UPI, Net Banking, Debit card, Wallets (if integrated) and Auto-debit from bank account (via eNACH mandate)

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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FAQs

The personal loan interest rates offered by KreditBee to salaried and self-employed professionals is 12% – 28.5% p.a. However, the exact interest rate shall depend upon your creditworthiness, income, employment, existing credit, etc.

You can avail the maximum loan amount up to Rs. 10 lakh from KreditBee lending platform.

Prospective applicants seeking KreditBee Personal Loans can check their eligibility criteria by visiting the website, going to the ‘Check eligibility’ section, selecting the personal loan scheme they wish to avail and providing the necessary details.

Yes, you can apply and avail instant personal loan through this web platform once you meet the eligibility criteria set by KreditBee.

There no minimum CIBIL score criteria set by KreditBee. You can avail personal loans from KreditBee even with low CIBIL score or no credit history, though at higher interest rates.

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What our customers say

Personal Loan

Maine Paisabazaar se personal loan apply kiya or Jaldi approval bhi mil gaya aur zyada documents bhi nahi lage.

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Abbaz AhmedApr 10, 2025

Got pre-approved Loan offer

I was looking for Personal loan and came across this platform. I applied online and received multiple loan offers instantly and got a pre-approved offer, and the amount was disbursed within 48 hours.

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Kirti MadaanMar 17, 2025

Loan for Home Renovation

Do din pehle maine apne purane ghar ki renovation ke liye Paisabazaar se loan apply kiya. Process kaafi easy aur smooth tha. Aaj subah mujhe message aaya ki mera loan approve ho gaya hai.

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Rohit GuptaMar 7, 2025

Personal Loan

Take Personal Loan from Paisabazaar. Approved in 2 days, easy process

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Tarun RaghavJan 21, 2025

Took a personal loan

I took a personal loan from Bajaj Finserv via Paisabazaar, and it was easy! Paisabazaar made it smooth and simple. The whole process was quick and hassle-free!

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Palvika PanchalJan 6, 2025

Personal Loan via Paisabazaar

Got a personal loan via Paisabazaar—super easy & quick! Kunal from sales was super helpful, explained everything well. Highly recommend! ?

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DeshmukhDec 19, 2024

Loan for Medical Emergency

Mujhe ekdum urgent medical emergency ke liye paise chahiye the. Paisabazaar se loan liya, aur honestly, sab kuch ekdum smooth tha! Process fast tha, team helpful thi, aur paise bhi jaldi mil gaye

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PawanDec 17, 2024

Get personal loan

Paisabazaar se pre-approved personal loan jadi milgya.. Or 48 hours mai paisa account mai agya.. Team is very helpful

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Kirti GargDec 15, 2024

Good experience

Good experience with Paisabazaar! Loan approval hua within 48 hours aur rates bhi kaafi reasonable the.

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Ashok KumarDec 13, 2024

Personal Loan

Main Travel k liye loan apply kiya tha.. jo jaldi hi approve hogya or account mai agya.

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Last updated: 1 September, 2025

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