Get your Flexible Personal Loan in 3 easy steps

Apply for Flexible Personal Loan on our SuperCupo mobile app

Benefits

limit
Pre-approved credit limit

Enjoy your pre- approved limit based on the credit rating

Quick & convenient
Quick & convenient

Easy application process with minimum documentation

Multiple withdrawals
Multiple withdrawals

Withdraw the amount from your available limit whenever you want without any additional documentation

Flexible repayments
Flexible repayments

With Home Credit flexi cash loan, you can now pay whenever you have additional funds without any extra charges

Fee and Eligibility

  • |
  • Fee and Eligibility
Fee

Joining fee 3% of the credit limit
Annual renewal fee 2%  of the credit limit
Transaction fee 2.5%  of the disbursed amount
Flat rate of interest 24% - 56.5% Per Annum
Days Past Due Outstanding Principal Amount
Less than or equal to ₹ 5,000 More than ₹ 5000 & Less than or equal to ₹ 50,000 More than ₹ 50,000
  Late Payment Charges Total Late Payment Charges Late Payment Charges Total Late Payment Charges Late Payment Charges Total Late Payment Charges
1 Day ₹ 150 ₹ 150 ₹ 350 ₹ 350 ₹ 500 ₹ 500
30 Days ₹ 200 ₹ 350 ₹ 450 ₹ 800 ₹ 600 ₹ 1100
60 Days ₹ 300 ₹ 650 ₹ 550 ₹ 1350 ₹ 700 ₹ 1800
90 Days & Above ₹ 450 ₹ 1100 ₹ 750 ₹ 2100 ₹ 1000 ₹ 2800

Note: In case of non-payment, Late Payment Charges shall be levied on the total outstanding principal amount of your loan.

Eligibility criteria

Frequently Asked Questions

What is a Flexible Personal Loan?

Flexible Personal Loan is an instant credit limit available for the customer which can be used for various purposes like medical treatment, home renovation, travel, wedding and/or any other financial requirement

What is the eligibility criteria for Flexible Personal Loan?
What is the minimum and maximum limit offered by Home Credit?
What is the minimum and maximum tenure offered for a Flexible Personal Loan?
Can I choose the limit amount for my Flexible Personal Loan?
What all documents do we need to apply for Flexible Personal Loan?
How can I use Flexible Personal Loan? What all can I buy using Flexible Personal Loan?
How is Flexible Personal Loan different from a personal loan?
Can I use Flexible Personal Loan outside this App?
How do I apply for a Flexible Personal Loan?
How long does it take for the Flexible Personal Loan application to get approved?
Do I need to pay a fee to apply for a Flexible Personal Loan?
When will I get the Flexible Personal Loan monthly bill?
What will be the due date for my Flexible Personal Loan? Can I change the due date?
When would the late payment charges be levied?
How can I foreclose my Flexible Personal Loan?
Can someone with no credit history apply for Flexible Personal Loan?
Can a retired person can also apply for Flexible Personal Loan?
Can an existing Home Credit customer can also apply for Flexible Personal Loan?
easy loans home credit
Home Credit Chatbot Display Message
Home Credit Chatbot Smiley
consumer durable loan finance company