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  • Home Credit Cash Loan

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  • We found 1 Home Credit
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    PA PL OTP
    13% - 30% Fixed
    0 Zero Processing Fee
    2L Max
    0 - 4 Years
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria

    Home credit loans lets you access funds in an easy and fast way. They come in handy when you are in need money to meet certain financial requirements. You can avail a loan of up to Rs.2 lakh at affordable interest rates. The interest charged on the loan is in the range of 13% to 30% depending on the repayment tenure. You can repay the loan within 4 years. Apart from low interest rates, there is no processing fee and pre-closure fee. You can choose to pre close the loan after successfully paying EMIs for 6 months.

    Home Credit Loan Details:

    Interest Rate Processing Fee Max Tenure
    13% to 30% p.a. Zero Processing Fee Up to 48 months

    How does it work?

    Home Credit loans offer fast, easy, and secure access to funds. All you need to do is register online using your mobile number and email address or download the mobile app and fill up the application form and get instant approval.

    Features and Benefits of Home Credit Cash Loans

    See the several key features and advantages of Home Credit Cash Loans in the list mentioned below to find out whether this scheme is the right fit for you based on your specific requirement, unique situation, and repayment capacity.

    • Digital loan applications - All loan applications under this financing plan are processed digitally. Therefore, you can be assured that you won’t have to stand in long queues in order to get the required funds. You can apply for this plan even from the comfort of your home, at any time of the day.
    • Loan amount - By applying for a credit advance under this scheme, customers can withdraw a loan with a maximum of Rs.2 Lakh which can be repaid within a short duration of time.
    • Instant loan approval - When an individual applies for a cash loan through Home Credit, his or her loan application will be approved almost instantaneously. This is owing to the fact that the entire loan application process is carried out online which makes the processing and approval of the loan faster than any other method.
    • Easy and hassle-free application process - With a user-friendly platform to apply for the loans, the company ensures that the loan application process for these loans is not only simple, but also hassle-free.
    • Quick fund disbursal - With online loan applications and instant loan approval, the loan amount can be disbursed to the bank account of the borrower in no time. Therefore, a person who has applied for a loan under this scheme will be able to gain access to instant cash in order to meet his or her urgent financial situation.
    • Paperless transactions - Since Home Credit Cash Loans have an online application process, customers do not have to submit any physical documents for the verification process. Instead, they can just submit digital copies of all the required documents online while applying for a loan.
    • Multiple repayment options - This company offers multiple channels through which this loan can be repaid. Customers can select an option that is convenient to them and pay back the debt equal monthly installments. Borrowers can pay their equated monthly installments (EMIs) through online payment channels which include National Electronic Funds Transfer (NEFT) and Real Time Gross Settlement (RTGS) along with online wallets such as PayTM, PayU, PayNimo, etc.
    • Flexible repayment schedule - Individuals will also be able to select a repayment schedule that they are comfortable with. This will help ensure that they do not default while repaying the debt.
    • No need for any collateral - Being an unsecured loan, the borrower is not mandated to provide any collateral or third-party guarantor as security in order to be able to secure the funds he or she requires under this financing plan.
    • Loan available to all borrowers - It is not necessary for the borrower to be an existing customer of the company in order to be eligible for this loan. This scheme can be availed by all types of customers - new and existing.

    Eligibility Criteria for Home Credit Cash Loans

    While this scheme does not mandate that the individual applying for this scheme should be an existing customer, there are certain requirements that should be met in order to be eligible for a Home Credit Cash Loan. Learn about the factors that will be considered if you choose to apply for this loan, by checking out the list mentioned below:

    • The applicant should be a minimum of 19 years of age.
    • The customer must be a citizen of India.
    • The borrower must possess an updated Aadhaar ID.
    • The customer should hold an active bank account that has internet banking facility.

    Documents Required for Home Credit Cash Loans

    • PAN card
    • Aadhaar card
    • Proof of identity such as Passport, Voters ID, Driving license, Aadhaar card, etc.
    • Passport-size photographs
    • Bank account details of the borrower

    How to Apply for a Cash Loan From Home Credit

    If you have decided to apply for this loan based on your specific credit requirements, you can follow the steps mentioned below to learn how you can get the funds that you need to meet your financial needs:

    Step 1: You will have to go to the official website of Home Credit at https://www.homecredit.co.in/cash-loan.

    Step 2: Click on the ‘Cash loan’ button available on the homepage

    Step 3: A small section containing the details about the loan will pop up.

    Step 4: Click on the ‘Apply Now’ button present at the bottom of the pop up.

    Step 5: A new window for the loan application will open.

    Step 6: Next, click on ‘Want to Apply’ button available on the page.

    Step 7: This will open a small form requesting your name, email ID, and mobile number.

    Step 8: Fill out the correct details and click on ‘Continue’.

    Step 9: Once the team at Home Credit receives this request form, a representative of the company will get in touch with you with a personalised quote.

    Step 10: Then, you can select the right plan and process your loan application.

    Step 11: As soon as your loan is approved, the funds will be disbursed to your bank account in no time.

    Home Credit Cash Loans Customer Care

    In case of any query, suggestion, or concern, you can get in touch with the professional and knowledgeable staff of Home Credit. You can be assured that your issue will be addressed efficiently and effectively. You can call the customer service team of the company at 1800 121 6660. You can also email the customer care representatives of the company at care@homecredit.co.in regarding your concern.

    Business Name Home Credit Cash Loans
    Phone Number 91 - 124 - 662 – 8811
    Official Mail Id care@homecredit.co.in
    Web Address homecredit.co.in
    Head Office Home Credit India Finance Private Limited Third Floor, Tower C, DLF Infinity Towers, DLF Cyber City, Phase-II, Gurgaon, Haryana- 122002
        

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    Home Credit Reviews

    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken personal loan through home credit India finance private limited online.The rate of interest and the processing fee was high it is 28% that is the only difficulty other than the everything was good ,The loan amount got sanctioned on time without any delay.The agent shared all the details about the loan process .Everything was good until the loan got sanctioned .
      Was this review helpful? 0
      , faridabad
      Reviewed on Jan 21, 2020
    • HDFC Bank
      HDFC Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan through Home credit India Finance private limited .I came to know about this finance company through my friends as well as through online .The rate of interest and the processing fee are high due to my requirement I availed this loan. This loan was sanctioned on time and there was no extra charges for the premium paid on delay basis.
      Was this review helpful? 1
      , bhopal
      Reviewed on Jan 21, 2020
    • HDFC Bank Personal Loan
      "Not Good Service"
      0.5 2.0/5 "Expected more"
      Home credit has provided a personal loan with high rate of interest. In case if I want to do pre- closure there is no option for that. I have chosen this loan for paying my credit card bill. I took the loan amount of Rs. 90,000 and i have been paying EMI amount of Rs. 4380 for the duration of 48 months.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 20, 2020
    • HDFC Bank Personal Loan
      "Rate of interest is high"
      0.5 4.0/5 "Great!"
      The rate of interest was very high in HOME CREDIT INDIA. I have take a personal loan, and the loan amount was Rs. 30k and the repayment amount was Rs.64k need to decrease that. I opted for the tenure of 36 months. The documentation process was simple , uploaded through online with in 3 days i received the loan amount. The customer service was good and the interest rate is too high, so it not recommended.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2020
    • HDFC Bank Personal Loan
      "Good Loan Service"
      0.5 5.0/5 "Blown Away!"
      I have chosen Home Credit to apply a personal loan because of good process on emergency need, so that is the main purpose of taking loan from them. I don't need to wait for a for long time hence I have suggested my friends to take the loan from them. Only minimal documents required and the process was simple apart from that the only suggestion to them, they should provide auto credit system to repay the loan.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 20, 2020
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I applied for Home credit personal loan through online. The amount got disbursed with in the day. I have opted for 90K loan amount but the interest rate is high around 28%, which need to be reduced. Customer service and the response from bank executive was good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 19, 2020
    • HDFC Bank Personal Loan
      "Need to reduce rate of interest"
      0.5 3.0/5 "Satisfactory"
      I have applied Home credit personal loan through online and within 3 days the loan got disbursed. Bank can reduce an interest rate as of now it is more than 20%. I have submitted the documents near by centre. I have taken a loan amount of 70,000 for 4 years of tenure.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2020
    • HDFC Bank Personal Loan
      "Need to reduce rate of interest"
      0.5 5.0/5 "Blown Away!"
      I have applied for Home credit personal loan through online and loan got disbursed within a week. I have opted for loan amount is Rs.50,000 with the rate of interest is very high around 30%, which need to be reduced. Customer support response is very good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 19, 2020
    • HDFC Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I applied for Home credit personal loan through online for medical purpose. The process was fast and loan disbursed within 3 days, it was very helpful on emergency time. Loan amount Rs.50,000 for the tenure of 48months which I have selected.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jan 19, 2020
    • HDFC Bank Personal Loan
      "Need to decrease tenure period "
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan from HOME CREDIT through online. I haven't got a call from their end I was in follow up after 7-15 days. The amount was mentioned as 65K but disbursed the amount of 35K which I had requested for 2 years but they have enhanced up to 4 years. There is no option of pre closure from their end. EMI use to pay of 1700 rupees. They have sanctioned the loan by 20 days.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 18, 2020
    • HDFC Bank Personal Loan
      "Interest rate need to be reduced"
      0.5 3.0/5 "Satisfactory"
      I got the personal loan offer with Home credit so i took the same. I applied the loan amount of Rs. 1 lakh but they have provided me only Rs. 75000. Provided interest rate was high because they offered me 26% per annum. I have been paying the EMI amount of Rs. 3858. I'm not sure about the pre-closure and part payment facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2020
    • HDFC Bank Personal Loan
      "Need to reduce interest rate"
      0.5 4.0/5 "Great!"
      The rate of interest offered from Home credit is very high of around 28.5%, I requested to reduce but they have not considered it. I have applied loan of 2L but only 90K got approved. There is no processing fee, I received the loan amount and I have also returned it. They had options to return back with in 14 days without any charges. I have done the same as the rate of interest was high.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 18, 2020
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I applied for home credit personal loan through online, the process was easy and fast. Approved loan amount is Rs.50K, I am not aware about interest rate but I am paying the monthly emi of Rs.2900 for 3 years. I think processing fee is not applied.
      Was this review helpful? 1
      , madurai
      Reviewed on Jan 18, 2020
    • HDFC Bank Personal Loan
      "Need to decrease interest rate"
      0.5 5.0/5 "Blown Away!"
      Home credit has offered a high of interest rate and processing fee. Though I had applied through online due to my requirement. I had submitted required documents of Aadhar, Pan card and photograph by manual. So within 1 week they have sanctioned the loan with tenure period of 4 years. Interest is 24% and fee of 1.3%.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 18, 2020
    • HDFC Bank Personal Loan
      "Need to provide more loan amount"
      0.5 5.0/5 "Blown Away!"
      I have received the call on time from Home credit once I had applied a personal loan through online. The process was done quickly but the loan amount was low and they have sanctioned 50K only, in the beginning they offered of 2L. Regarding this have contacted to banker, they told due to some bank norms they have sanctioned low amount, in future there is option for top up so I will be getting more amount. Tenure period of 2-3 years. Rate of interest and fees are applicable which is nominal for this loan. After 6 months there is option of preclosure. I use to pay EMI of 2900 rupees and I get remainder message on time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 18, 2020
    • HDFC Bank Personal Loan
      "Need to reduce interest rate"
      0.5 5.0/5 "Blown Away!"
      I applied for Home credit personal loan through online. The rate of interest is very high, need to reduce it so every one can apply opt for it. I was expecting the rate of interest below 20% but bank offered with the interest 24%. I have taken loan amount of Rs.50,000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2020
    • HDFC Bank Personal Loan
      "Very Good Loan service"
      0.5 5.0/5 "Blown Away!"
      I have got a opportunity to take the personal loan from Home credit and i got the very less rate of interest hence I'm satisfied with the loan. Based on my previous records they have provided me a personal loan hence i don't submit any documents and the process is not that much long. They have taken my photograph which mandatory to check with the Aadhar card once i have sent the same, i have got the money in the same evening.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2020
    • HDFC Bank Personal Loan
      "Need to improve services"
      0.5 3.0/5 "Satisfactory"
      I applied for home credit personal loan through online. I have taken a loan amount of 50K. The rate of interest was moderate. Bank executive insisted me to pay via mobile application, but i can't do the payments via mobile application as options are unavailable. Bank need to improve the customer service according to me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2020
    • HDFC Bank Personal Loan
      "Good Loan Service"
      0.5 5.0/5 "Blown Away!"
      Without any particular reason i have selected the personal loan from Home credit. I took the loan amount of Rs. 2 lakhs and they have taken almost 2 days to sanctioned this loan. Documentation process was easy and there was no verification done. I have chosen 4 years to close this loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 17, 2020
    • HDFC Bank Personal Loan
      "Service is Good"
      0.5 5.0/5 "Blown Away!"
      I have taken Home credit India Personal loan through online . The rate of interest and the processing fee was very less ,I have uploaded documents through online only.This loan is still active and there was no drawbacks faced so far .The prcess was very smooth and comfortable.
      Was this review helpful? 0
      , kochi
      Reviewed on Jan 16, 2020
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