OneScore: Credit Score Insight 4+

Credit Score & Report (No ads‪)‬


    • Free

iPhone Screenshots


Instant personal loan, free credit-score & more!
OneScore is a one-stop shop for managing credit score and getting an instant personal loan with flexible EMI options. Whether you need money to plan a trip or to take care of medical expenses, you can get an instant loan for any cash emergency with OnePL.

Instant Loan Disbursal
Easy Application
No Collateral requirement
Zero Documentation
Flexible EMI options

How to avail of the best loan offer on OneScore
Build your credit worth by regularly tracking your credit score, and look out for the personalized OnePL loan offer. Depending on your credit score and other factors, you will receive instant approval on your personal loan application.

What’s more!
You can also use the EMI calculator to plan your EMIs and choose from the flexible repayment options.
Set up payment reminders so you never miss an EMI.
Get customized suggestions on how to improve your credit score and avail of better loan offers.

Eligibility Criteria for OnePL:
A credit score of 730 & above
Stable employment with monthly salary of >₹20,000
Aadhar and PAN card holder

OnePL features:
• Lending partner: Federal Bank Limited, South Indian Bank Limited
• Loan Amount: Up to Rs. 5 Lakh
• Loan tenure: Minimum 6 months, maximum 48 Months
• Interest Rates: 12.5%-18.5% (for Federal bank), 15.9%-16.8% (For SIB)
• Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB
• APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB)

Let's understand this with an example, assuming a personal loan of Rs. 50,000 with a 13% interest rate and a repayment tenure of 1 year. Here’s how your loan disbursal amount would be calculated:

Loan Amount - ₹50,000
Tenure - 12 months
Interest Rate - 13%
EMI - ₹4,466
Total Interest Payable - ₹4,466 x 12 months - ₹50,000 Principal = ₹ 3592
Processing Fees (incl. GST) - ₹1179
Disbursed Amount - ₹50,000 - ₹1,179 = ₹48,821
Total Amount Payable - Principal + Interest + Processing Fees = ₹54,771
Total Cost of the Loan = Interest Amount + Processing Fees = ₹3592 + ₹1179 = ₹4,771

*In case the loan is disbursed on or after the 6th of the month and your EMIs fall on the 5th of the month, there’s a gap of 29 days between your loan disbursal date and the first EMI. The interest rate charged for this period is called Broken Period Interest.

Why download OneScore?

Get instant loans up to Rs 5 lakh with zero documentation and flexible EMI options.

Check your Experian and CIBIL score in an instant, for free. It’s also completely spam-free & ad-free.

Get notified about changes in your credit score in real-time. Stay in charge of your credit score with a simplified credit report and eliminate errors in real-time.

Use the ‘Find out why feature’ to analyze your data and understand exactly why your credit score has changed.

Use the Score Planner to level up your credit score. Set a goal for yourself and achieve your ideal score with personalized insights.

Have a low credit score? Use the simulator to get suggestions on how to improve your credit score with good financial habits.

Get a bird’s eye view of all your loan and credit card accounts.

Report inaccuracies in your credit record with a simple click.

Set financial goals and stay on track with timely reminders.

Why OneScore is different

End-to-End Credit Management Tool
One-stop solution for end-to-end credit management – from building your credit score to availing instant personal loans at low-interest rates, do it all on the OneScore app.

Rest assured, you will never get those spam calls and messages with unsolicited offers.

Safe & Secure:
None of your information is shared with any third party or institution. Your data is safe with us.

What’s New

Version 3.14.88

With this new release, we've refined and improved our user experience by resolving minor in-app bugs.

Ratings and Reviews

4.7 out of 5
97.2K Ratings

97.2K Ratings

Sourav_Datta ,

Five stars for the app; zero star for customer support

This app is no doubt a great app, works with absolute smoothness, no bugs. But their customer support is a nightmare. Firstly, getting connected to a representative is totally a good luck. Secondly, if connected to a representative, they take more than the time required to answer your queries. Also, their Twitter handle doesn't reply most of the times. Only, if it is an appreciation tweet, you will get reply very quickly. Else, any complaint tweet will go unanswered, or even unseen. They seriously need to look after their support system.

Developer Response ,

Hey Sourav, we have noted your feedback and shall make sure that you are provided with the best service that you rightfully deserve as we are nothing without our Fam. Thanks for reaching out and safe rides ahead!

B45i ,

Unable to unregister, could be a scam

This app seems like a potential trap. Upon registering, I've been bombarded with numerous calls from OneCard aggressively promoting their credit card. Even on WhatsApp, their spam messages persist. Despite attempting to unregister within the app, the process proved convoluted—they created a ticket, only to cancel it a few days later, citing my alleged unreachability without any valid reason. The complexity involved in deleting an account raises suspicions.

Adding to my concerns, I've observed an unexplained two-point drop in my credit score. Given that I haven't undertaken any new financial activities, I suspect the app may be continuously fetching my credit score, contributing to this unexpected decline. These experiences collectively contribute to my perception that this could be one of those financial scam apps frequently highlighted in the news.

Developer Response ,

Hey buddy, this is not the experience we want you to have! Let's connect & discuss this further, drop us a mail with your registered email ID at Also, share your allotted ticket ID here for quick assistance. See you then! - Srish☕️

Vishesh Bansal ,

The Best app to look at your credit score

I’ve been using OneScore for almost 3 months now, and it is one of the best Credit score apps I’ve ever seen. The ease of use is amazing, the tips to increase Credit Score are wonderful, making you more credit aware. Also the best part is no ads, so I’m not constantly bugged with them.

Developer Response ,

Hi there, we live for the days when we see such amazing responses from our users. These ratings that you have left will get us to the moon with the help of those lovely stars. There are "no faults in our stars"! - Ahi

App Privacy

The developer, Fplabs, 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
  • Contact Info
  • Usage Data
  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Contact Info
  • Usage Data
  • Diagnostics

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

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