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KreditBee is an instant personal loan app trusted by 1 Crore+ Indians. Avail personal loans starting from ₹ 1,000 to ₹ 2 Lakhs, as per your approved credit. On approval, get a direct bank transfer within minutes.

KreditBee(Finnovation Tech Solutions Private Limited) 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.

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

Why KreditBee?

Instant loan approval: Instant personal loans are approved within 15 minutes from registration to direct bank transfer.

Shopping EMIs: Avail online purchase EMI loans for categories like fashion, electronics, travel, furniture & more.

Flexible Interest rate: Varied interests starting from 0% to 29.95% per annum.

Personal Loan for Salaried (Example)

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

1. Applicant should be an 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

Personal Loan for Salaried - Avail salary loan options starting from ₹10,000 to ₹2 Lakhs with tenure ranging from 3 to 15 months. All you need is PAN Card, address proof and salary proof to apply for salaried loans.

Online Purchase Loan - KreditBee comes with a Buy Now, Pay Later EMI option. In such loans one avails E-vouchers from KreditBee which can be used to purchase on partner platforms like Flipkart, Amazon, Myntra, Nykaa, Make my trip & more.

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:
0 - 3% charged for low risk customers
2.5% - 7% charged for high risk customers*

The APR for different personal loan products ranges from 0%-36%
medium risk customers is 18%-39%
high risk customers is 24%-42%
Very high-risk customers are 24%-70%

KreditBee charges a 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.

Mail: help@kreditbee.in
Call: 08044292200

Let’s Connect!
Facebook: kreditbee
Twitter: kreditbee
Instagram: kreditbee

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

Get your loan approved instantly. Download the app now!

What’s New

Version 1.0.4

Bug fixes

Ratings and Reviews

4.5 out of 5
2K Ratings

2K Ratings

Haam. ,

Review !!

The best app to get loan fast without stress and after paying your loan it clear immediately without delays. This is the first time I have taken a small loan from this app...till now experience is good....I hope in future experience remains the same.
You guys are incomparable. Excellent service. Great app performance and in time response. And accurate record. Keep it up !! :))
Nice platform but i wait a month any ways if i honestly make things ill never fall... Thanks kreditbee !! Looking forward to use your app even more.

albiheart ,

Goons app

Think million times before taking a loan through this app. The loan recovering agents will start bugging you even if you skip the repayment date by a day and not just male agents but female as well. Even if you agree to pay the late fees, they will keep on threatening you. They will threaten you by calling and by saying stuff like I will keep on calling you until ans unless you don’t pay the loan. Yes I was said this by a female agent.
She was so arrogant and she said insisted that until and unless you don’t pay the loan I won’t let you hang up the call. They will call you day and night.

Worst loan app ever.
P.S you can’t write a negative review until and unless u give 5 stars

khushi dubey ,


1.Maine sare payment se time per kiye aur unhone Mujhe loan Lene mein bhi koi problem nahin hone de jiske liye main unka dhanyvad karta hun. 2.They are just reliable when it comes to their 24hrs funding. Yes, surely they will fund your wallet with your loan. I recommend this to everyone. 3. The process is seamless, fast, the app is very easy to navigate, though the money was small in my case, it came in seconds. 4.Easy to use, stress-free, and their interest are ok for me because they give you flexible payback period.5.
Nice app and nice support at urgent times. I had taken loans more than 5 times. Very supportive app. People follow here for loan if you are in need.

App Privacy

The developer, Finnovation Tech Solutions Private Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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