Products
Loan Management
consumer loan online

Top Suggestions

Quick, easy & convenient loans

Get loan from Home Credit, even if you do not have a credit history

Quick, Easy & Convenient Loans

Only 2 Documents Required

  • Any <font color='red'>ONE</font> of the below documents

    Any ONE of the below documents

      • PAN Card1
      • Form 60 (with one proof)
  • Any <font color='red'>ONE</font> of the below documents

    Any ONE of the below documents

      • Voter ID
      • Passport2
      • Driving Licence2
      • NREGA3 Job Card
      • NPR Letter4
      • Masked Aadhaar
  • PAN is compulsory for all loans
  • Expiry of the Passport/Driving License should not be within three months of application
  • Issued by NREGA duly signed by an officer of the State Government
  • Issued by the National Population Register containing details of name & address

In certain cases, additional income proofs/documents may be required. For two wheeler loan applications, additional proofs of income & hypothecation documents may be required.

Eligibility Criteria

Eligibility

  • Applicant should be an Indian Citizen between 19 to 65 years of age
  • Applicant should have a valid identity and address proof
  • Should have an active source of income
  • Should have a gap of 90 days between 2 Home Credit Applications
Loan Amount Up to ₹ 60,000
Loan Term Up to 26 months
Minimum advance cash/
Down payment		 0% - 40% depending
on commodity price

Fees & Charges
Eligibility

  • Applicant should be an Indian Citizen between 19 to 65 years of age
  • Applicant should have a valid identity and address proof
  • Should have an active source of income
  • Should have a gap of 90 days between 2 Home Credit Applications
Loan Amount Up to ₹ 1,00,000
Loan Term Up to 24 months
Minimum advance cash/
Down payment		 0% - 40% depending
on commodity price

Fees & Charges
Eligibility

  • Should be an Indian Citizen with minimum age of 18 years and maximum age of 69 years
  • Should have a valid ID proof and address proof
  • Should have an active bank account
  • Should be salaried or self-employed, drawing a fair income
Loan Amount ₹ 10,000 - ₹ 2,40,000
Loan Term 12 Months - 51 Months
Minimum advance cash/
down payment		 NA

Fees & Charges
Eligibility

  • Age: Between the age group of 18 to 69 years
  • Income source: Salaried or Self-employed or Pensioner
  • Bank account: Should have an active bank account
  • Documents: PAN card(Mandatory) and Address Proof
  • Gap between two Home Credit loan applications: min 90 Days

Fees & Charges
Eligibility

  • Applicant should be an Indian Citizen between 19 to 65 years of age
  • Applicant should have a valid identity and address proof
  • Should have an active source of income
  • Should have a gap of 90 days between 2 Home Credit Applications
Loan Amount Up to ₹ 1,20,000
Loan Term Up to 36 Months
Minimum advance cash/
down payment		 20% - 25% depending
on commodity price

Fees & Charges
Eligibility

  • Applicant should be an Indian Citizen between 19 to 65 years of age
  • Applicant should have a valid identity and address proof
  • Should have an active source of income
  • Home Credit Customers are eligible to apply for Pocket Loan through the Home Credit Money App
Loan Amount ₹ 1,500 - ₹ 10,000
Loan Term Up to 3 Months

Fees and Charges

FAQs

Can a person with no credit history apply for a loan?

Yes, an Indian citizen with an active source of income can avail Home Credit Loans even without a credit history

Can a retired person apply for a loan?
Can an existing Home Credit customer apply for an additional loan?
What is the maximum amount I am eligible to avail?
How can I make part payments against my EMIs?
How do I change my EMI due date?
How do I check the status of the payments I have made?
How many products can I buy in a single transaction?
When would I be levied late payment charges on my loan?
How can I foreclose my loan?
easy loans home credit