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KreditBee Personal Loan

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Loan Disbursal in Minutes

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Service Available 24*7

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100% Digital Onboarding

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Hassle-free Documentation

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15.5L Reviews

51M+Satisfied Customers
65+Lending Partners
800+Cities across India

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

About KreditBee Personal Loan

  • KreditBee offers digital instant personal loans to meet the personal requirements of the applicants.
  • The loan is disbursed in the loan account in just a few minutes.
  • The applicants can avail a loan amount of up to Rs 10 lakh with flexible repayment tenure.
  • The service is available 24*7 with hassle-free documentation process.
  • KreditBee personal loans are tailored to meet the personal needs of the applicants including wedding, travel, medical emergency, etc.

KreditBee Personal Loan Interest Rates in 2026

​KreditBee offers personal loans at an interest rates ranging from 12% to 28.5% per annum, depending on various factors, such as your credit score, income, employment, employer’s profile, loan amount, and chosen repayment tenure.

Eligibility Criteria

​To be eligible for a KreditBee personal loan, you must meet the following criteria:

  • Age to be 21 years and above
  • Minimum Net Monthly Income of Rs. 10,000
  • Monthly household income more than Rs. 25,000
  • Work Experience: Min. 2 months in your current company

Required Documents for KreditBee Personal Loan

To apply for a KreditBee personal loan, you shall need to provide below mentioned documents based on your employment status:

  • Passport-sized photographs
  • Applicant’s PAN
  • Address Proof (Permanent & Current Address)
  • Income Proof (Bank Statements reflecting Monthly Income)
  • Employment Proof for salaried employees (Salary Slip / Office ID / UAN authentication)

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KreditBee Personal Loan Fees & Charges

​Find below comprehensive breakdown of KreditBee’s personal loan fees and charges for your consideration.

Particulars Charges
Processing Fees Up to 5.1% + GST
Foreclosure charges 4% of principal outstanding + GST
Part-Prepayment Charges 4% of principal prepaid + GST
Penal Charges For 2-180 days: 36% per annum on principal overdue + GST
EMI Bounce Charges 1st Day - 4% of principal overdue or ₹500, whichever is lower

KreditBee Personal Loan Repayment Options

KreditBee offers flexible personal loan repayment options to its customers. Find below the typical loan repayment options:

  • Tenure: KreditBee usually offers personal loan tenures ranging from 6 months to 5 years depending upon your loan type and eligibility.
  • EMIs: Repayment option of EMIs are widely chosen by borrowers that include both principal and interest amount. EMIs are calculated on the basis of offered interest rates, loan amount and chosen repayment tenure.
  • Repayment mode: UPI, Net Banking, Debit card, Wallets (if integrated) and Auto-debit from bank account (via eNACH mandate)

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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All Your Needs

FAQs

The personal loan interest rates offered by KreditBee to salaried and self-employed professionals is 12% – 28.5% p.a. However, the exact interest rate shall depend upon your creditworthiness, income, employment, existing credit, etc.

You can avail the maximum loan amount up to Rs. 10 lakh from KreditBee lending platform.

Prospective applicants seeking KreditBee Personal Loans can check their eligibility criteria by visiting the website, going to the ‘Check eligibility’ section, selecting the personal loan scheme they wish to avail and providing the necessary details.

Yes, you can apply and avail instant personal loan through this web platform once you meet the eligibility criteria set by KreditBee.

There no minimum CIBIL score criteria set by KreditBee. You can avail personal loans from KreditBee even with low CIBIL score or no credit history, though at higher interest rates.

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Reasons for Delay in Personal Loan Processing

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APR vs Interest Rate in Personal Loans: What’s the Difference?

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What our customers say

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

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Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

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Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

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Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

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Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

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Aridaman Singh ParhichaDec 11, 2025
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