Cash by CRED Personal Loan App

Cash by CRED: Personal Loan, Credit Score & EMI Calculator

Cash by CRED is an instant personal loan app. This instant loan app helps you understand your borrowing options. Check your credit score for free, track your spending, calculate your monthly repayment and check personal loan eligibility, all in place.

Need an instant cash loan for an emergency, medical expense, wedding, travel or home renovation? Cash by CRED lets eligible borrowers apply for a personal loan online, see the interest rate and applicable charges before accepting a loan.

Your personal loan app

See your credit score, understand your monthly spending and calculate your monthly repayment before you apply. Choose a loan amount and repayment tenure that fits your needs, then check your eligibility online.

Free credit score check

Check your credit score for free whenever you want, without affecting your score. See what can influence your credit profile, including repayment behaviour and credit utilisation.

Personal loan EMI calculator

Use the EMI calculator to estimate your monthly repayment before applying for a loan. Adjust the loan amount, interest rate and repayment tenure to see your monthly repayment, total interest, processing fee and total repayment.

Whether you are considering an emergency loan, medical loan, wedding loan, travel loan or home renovation loan, use the calculator to understand repayment.

Track your spending before you borrow

Cash by CRED's spend tracker shows where your money goes. Use your monthly cash flow to decide how much to borrow.

Check personal loan eligibility

Check your personal loan eligibility online before applying. See available loan amount and repayment options based on your profile, without affecting your credit score.

Cash by CRED is designed for eligible borrowers, including first time borrowers.

Instant loan app, fully online

Apply for an instant personal loan online with the Cash by CRED loan app. Sign up with your mobile number, complete KYC through DigiLocker, add your bank account and choose your loan amount and tenure.

The process is online from eligibility check to disbursal. Eligible applicants can receive the approved loan amount into their verified bank account, subject to applicable lending terms and approval.

Loans for different needs

Cash by CRED offers personal loans for eligible needs, including emergency loan, medical loan, wedding loan, travel loan, home renovation loan and top up loan. For urgent loan needs, eligible applicants can apply online and review the offer.

Personal loan terms

Loan amount: Up to ₹15,00,000
Repayment tenure: 12 to 36 months
Interest rate: 10% to 34% per annum
Processing fee: Up to 6% one-time
Max APR: Up to 52%

Actual terms depend on your eligibility and lending partner terms.

Personal loan example

For a ₹5,00,000 personal loan for 3 years at 20% per annum:
EMI: ₹18,582
Processing fee: ₹17,700
Total payable: ₹6,68,945
Effective APR: 21.92%

This is a representative example. Actual terms may vary.

How to get a loan on Cash by CRED

Download the Cash by CRED loan app
Sign up with your mobile number
Check eligibility using PAN and Aadhaar
Complete KYC through DigiLocker
Add your bank account
Choose your loan amount and tenure
Review the loan offer and accept, if eligible
Receive approved funds in your verified account

Lending partner

Cash by CRED is a digital lending app (DLA). DTPL is the lending service provider, and loans are disbursed by registered NBFC partners Poonawalla Fincorp Ltd & Respo Financial Capital Private Ltd, subject to eligibility and applicable terms.

It facilitates lending through duly registered NBFCs and follows applicable RBI guidelines.

Grievance Officer: Atul Kumar Patro
Email: grievanceofficer@cred.club
Support: cashbycredsupport@cred.club

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