Fast-track your happiness today

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Only 2 documents
needed

Only two documents required to process your loan

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No credit history
required

Get a loan from us even if you have never taken one before

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Affordable
loans

Easy EMIs starting at 0% rate of interest. Terms & conditions apply.

No hidden charges

No hidden
charges

Transparent terms & conditions for your peace of mind

Still have some questions?
Check out our FAQs section for more information

No credit history? No problem
We welcome first-time borrowers

  • 0% interest rate*
    mobile phones
    Mobile Phone on EMIs
  • HA
    Home Appliances on EMIs
  • personal loan
    Personal Loan
  • Ujjwal (EMI) Card
    Home Credit Ujjwal EMI Card
  • care360 protection
    Care360° Protection
  • health insurance
    Health Insurance
  • Life Insurance
    Life Insurance
  • Pocket Insurance
    Pocket Insurance
  • two wheeler
    Two Wheeler Loan

EMI Calculator

EMI Calculator

EMI Calculator

Ujjwal EMI card

Shop smart with Home Credit Ujjwal (EMI) Card

Get up to ₹ 50,000 pre-approved credit limit

Shop conveniently online and also across 31,000 partner shops.

Down Payment

Now buy the product of your choice with Home Credit Ujjwal Card and enjoy the benefit of easy repayments

Instant Limit

Enjoy the convenience of pre-approved limit of ₹ 50,000

on-time

One-time submission of your KYC documents

Free Early Repayment

Pre-close the loan account anytime with no extra cost

care360 protection

Protect you and your family from unexpected crisis at just ₹9.5* a day!

Also get Health Services, complimentary Life & Health Insurance, complimentary Home & Online Fraud Insurance.

*Terms & Conditions apply.

100% value back of what you pay

Buy the plan of your choice today & get 100% value back in vouchers, equal to plan price

Free Ujjwal EMI Card with Plan purchase

Get Ujjwal (EMI) card at no joining fee* with plan purchase

Option to pay at No cost EMI

Option to pay at no cost EMI, with zero down payment

Buy at Shop or Online

Buy at Home Credit Partner Shop or Online with ease

Be prepared for Medical Emergencies

Insure yourself & your loved ones with Health Insurance plans from our partners

Premium

Option to pay premium in Easy EMIs**

In-patient hospitalization coverage

In-patient hospitalization coverage

Cashless facility

Complete Peace of Mind with Cashless facility

Multiple Procedures covered

Multiple Day Care procedures covered

Secure your Family's Future

Protect your loved ones with the best Life Insurance plans from our partners

Assured Returns

Avail guaranteed returns promised to you at the time of enrolment

Additional Benefits

Additional guaranteed benefit is added on the Maturity benefit

Short Pay

Pay premium for a limited period and enjoy policy coverage for the entire policy term

Policy Loan Benefit

Avail the policy loan benefit from Insurer to help paying your premiums on time

Secure your future with Pocket Insurance Plans

Choose and create your plan and get covered through our trusted Insurance partner

Hospital Cash Allowance

Benefit of Rs.1000 per day of hospitalization

Accidental Hospitalization

Benefits up to Rs. 50k in case of hospitalization due to accident

Critical Illness Cover

Lumpsum benefit of Rs. 1 lakh on 17 Critical Illnesses

Personal Accident Cover

Benefit of Rs. 1 lakh in case of Accidental Death or Permanent Total Disability

EMI Calculator

Get instant access to services specially curated for you!

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  • Wallet Security

    Wallet Security

    Protect your cards, m-wallets against theft or online/offline frauds.

  • Home Loans

    Home Loans

    Now have a place to call your own. Get easy housing loans to finance your dream home!

  • Health Services

    Health Services

    Easy and affordable Health Services from the comfort of your home

  • home credit india

    Safe Pay

    Enjoy peace of mind with our unique bundled offering to help you cover your loan repayment in case of Emergency

  • screen

    ScreenGuard

    With 12 months of protection against screen damage, expensive repairs will now be a thing of the past

  •  extended warranty

    Extended Warranty

    Enjoy coverage against manufacturing defects for up to one year after manufacturer’s warranty

  • mobile protect

    Mobile Protect

    Protect your phone from breakage and liquid damage with Home Credit’s Mobile Protect

  • Health Insurance

    Health Insurance

    Be prepared for medical emergencies. Protect yourself and your family from unforeseen illness or accident.

  • Home Appliance Protection

    Home Appliance Protection

    Affordable and stress-free repairs for your home appliances. Unlimited repair assistance, 30-day service guarantee and much more.

  • Credit Score Check

    Credit Score Check

    Free Credit Score Check. Track and improve your credit score for any future loan or EMI requirements

  • Two Wheeler Insurance

    Two Wheeler Insurance

    Comprehensive Coverage, Enjoy No Claim Bonus from other Insurers, Quick Claim settlement.

  • Buy Digital Gold

    Buy Digital Gold

    Buy digital gold online in a few clicks, starting at just ₹1! Start your gold savings today to fulfill your family’s wishes in the future.

  • Care360° Protection

    Care360° Protection

    Protect your family from unexpected crisis by getting access to health services, complimentary life, health, home, and online fraud insurance.

Big offers for big dreams

  • |
  • samsung offer

    Samsung & Vivo Easy EMI offers

    Up to 20% off on the latest Samsung & Vivo Smartphones.
    Instant Online Approval | Home Delivery

  • personal

    Personal Loan offer

    Instant personal loan for your small needs or big celebrations

  • Vi<sup><small>TM</small></sup>

    ViTM bundled offer

    Get a 4G smartphone along with the ViTM Unlimited Pack at just ₹ 799/-. Pay the rest in Easy EMIs

  • gift

    Last EMI free with Gift Pay

    Pay your smartphone EMIs on time, and the last one will be a gift from our side

  • Up to ₹3000 Cashback on Flipkart shopping

    Up to ₹3000 Cashback on Flipkart shopping

    Get cashback in your Home Credit Money App wallet. Hurry, offer ends soon! T&C apply.

  • Buy Digital Gold

    Buy Digital Gold

    Buy digital gold online in a few clicks, starting at just ₹1! Start your gold savings today to fulfill your family’s wishes in the future.

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Your loan in your pocket

Home Credit Mobile App – easy to install, easy to use

Apply for a personal
loan instantly
Discover exclusive
offers
Repay your EMIs easily
Access your loan
details on-the-go

Why choose us

Quick, easy & convenient loans for everyone
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No credit history
required

Get a loan from us even if you have never taken one before

Instant <br> approvals
Instant
approvals

Get your loan request approved instantly

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Convenient
repayment modes

Pay online, on app or authorized collection centres

hidden charges
No hidden
charges

Transparent terms & conditions for your peace of mind

Trust of our 1 crore customers
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  • customer

    "Maine apne dono phone Home Credit se finance karvaya hai. Process bhut aasaan hai, main Home Credit ke sath juda rahunga aur friends ko recommend krta rahunga."

    - Nitesh Jain

    Purchased: Mobile Phone Watch Video Home Credit Video Play
  • customer-2

    "EMI aaraam se pay  kar sakte hain app ke saath, bina kisi problem ke."

    - Sonu Mehta

    Purchased: Mobile Phone Watch Video Home Credit Video Play
  • Resham Devi

    Maine 2 mobile aur 1 fridge liya, aur aage aur bhi lene wali hoon. Maine home credit ke easy terms ke sath apni zarooratein aasani se poori ki

    - Resham Devi

    Purchased: Home Appliances Watch Video Home Credit Video Play
  • peer hasan

    "Jaise bola tha, ussi hisab se EMIs mili. Maine Home Credit ke convenient EMI plans ke saath apne manpasand phones liye, bina kisi problem ke."

    - Peer Hasan

    Purchased: Mobile Phone Watch Video Home Credit Video Play
  • tarun jaiswal

    "Home Credit ke saath apni zaroorat ki cheez khareed sakte hain aur easily pay kar sakte hain."

    - Tarun Jaiswal

    Purchased: Mobile Phone Watch Video Home Credit Video Play
All your favorite brands available
  • |
  • vivo
  • oppo
  • samsung
  • LG
  • MI
  • Nokia
  • techno
  • haier
  • Whirlpool

Paise ki pathshala

  • |
  • Are you pushing yourself into a loan trap

    Do you feel like you have too much debt? Are you comfortably repaying your loans? Answer a few simple questions and find out if you have more debt than you should.

  • Do you really need to borrow?

    Do you really need to borrow?

    Vidhi, Arvind’s sister, is an impulsive buyer and constantly borrows money to fulfil her needs and wants. This has strained her relationships and landed her in a debt trap which is making it harder for her to manage her finances. But Arvind helps her understand that she should only take loans when necessary

  • Do you know the difference between good and bad debts!

    Do you know the difference between good and bad debts!

    This article will help readers differentiate between good and bad debts. It talks about the basic factors like cost, if the loan helps you build an asset, if it helps you secure your future, etc. that differentiate good debts from bad ones.

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