verified Personal Loans

Get up to ₹50 Lakhs

Say yes to your dreams with Credinova. Get quick loan approvals, competitive interest rates, flexible repayment tenures, get access to trusted banks and NBFCs with transparent process with no hidden charges.

10k+ Happy Customers

Know your estimated EMI

before you apply.

Loan Amount ₹15,00,000

₹1,00,000 ₹50,00,000

Interest Rate (p.a.) 8.5% p.a.

8.5% 15%

Tenure (Months) 24 Months

6 Mo 60 Mo

Estimated Monthly EMI

₹681.93

Why Choose Credinova?

Experience the next generation of lending with our core pillars of trust.

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Fast Loan Processing

Get fast approvals, minimal documentation, and a seamless experience.

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100% Secure

We ensure your personal information is protected with a secure and transparent process.

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25+ Trusted Banks & NBFCs

Partnering with India’s leading banks & NBFCs to bring you reliable and convenient loan solutions.

How it Works?

A simple 5 step process

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Apply Online

Fill out a simple application with your basic details to get started.

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Eligibility & CIBIL Check

Our experts will review your profile, verify your eligibility, and your credit score.

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Bank Selection & Documents

We identify the right bank or NBFC and assist you with documentation.

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Verification & Approval

Application is logged in with the selected lender for verification and approval.

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Loan Disbursed

Once approved, the loan amount is disbursed to your bank account.

edit_document

1. Apply Online

Fill out a simple application with your basic details to get started.

fact_check

2. Eligibility & CIBIL Check

Our experts will review your profile, verify your eligibility, and your credit score.

account_balance

3. Bank Selection & Documents

We identify the right bank or NBFC and assist you with documentation.

task_alt

4. Verification & Approval

Application is logged in with the selected lender for verification and approval.

payments

5. Loan Disbursed

Once approved, the loan amount is disbursed to your bank account.

Limited Time Offer

Refer & Save More

Invite your friends to Credinova. When they get their first loan, you both receive a 0.5% interest rate reduction on your next cycle.

Frequently Asked Questions

Know Before You Borrow

Who is eligible for a personal loan? expand_more

To be eligible for a personal loan, applicants should generally be between 21 and 65, have a stable monthly income, and maintain a minimum credit score of 700. Eligibility requirements may vary from bank to bank.

How much loan amount can I get? expand_more

Your eligible loan amount is determined based on your salary, CIBIL score, existing loan obligation, and the bank's lending policy.

What is the interest rate? expand_more

Interest rate depends on the loan amount, credit profile, and lender's profile. For loan amounts above ₹15 Lakhs, interest rates with leading banks can start from 9.99%, subject to eligibility.

How long does it take to receive funds? expand_more

Disbursal time varies case to case. Strong applications are often disbursed within 1-2 business days, while others may take up to a week depending on the verification and approval process.

Can I do part payment or foreclose my loan? expand_more

Yes. Most lenders offer part-payment and foreclosure options, though the applicable terms, lock-in period, and charges may differ from bank to bank.

What happens if I miss an EMI payment? expand_more

Missing an EMI payment can lower your CIBIL score and could result in late payment charges as per the lender's policy. Repeated missed payments may also affect your future loan eligibility.