KreditBee offers salary advance loans through its mobile app and website. You can Avail Personal Loans up to 2 Lakhs at an interest rate of 0-29.95% p.a. and tenure up to 15 months.

Interest Rates   0% - 29.95% p.a.
Loan Amount 1,000 - 2,00,000
Tenure 2 months - 15 Months
Loan Processing Fee 0% - 6% of the Loan Amount
Turnaround time  400+ GST
Purpose Medical emergency, domestic functions, education, travel, payments of existing debts & insurance, and other financial emergencies.


KreditBee Loan

KreditBee is an instant Personal Loan lending platform that provides Personal Loans up to 2 Lakhs to salaried individuals against to help them meet their urgent financial requirements.

The entire process is online, starting from registration to disbursement and does not take more than 15 minutes. These Personal Loans can be availed online through KreditBee website and mobile app (that can be downloaded from Google Play Store on Android mobiles).

KreditBee acts as a technology intermediary to facilitate Personal Loans from regulated lenders to individuals with minimal documentation and instant disbursal of funds on approval.

KreditBee currently offers Flexi Personal Loan, Personal Loan for Salaried, and Online Purchase Loan or E-voucher Loans.

Features and Benefits

KreditBee Personal Loans are loaded with the following attractive features:

  • Flexible loan amount: You can get a loan of minimum 1,000 to maximum 2 Lakhs to meet your urgent financial needs.
  • Low interest rates: These loans are offered at the most competitive rates starting from 0% for E-voucher Loans, 15% for Personal Loan to Salaried, and 18% for Flexi Personal Loan.
  • Minimal processing charges: The processing fee for these loans starts from 0% and can go up to 6% of the loan amount.
  • Flexible tenure: You can repay your KreditBee Loan in flexible repayment tenure ranging between 2 and 15 months.
  • No prepayment or foreclosure charges: You can make payments before the stipulated repayment period and close the loan faster without paying any additional fees.

Following are the benefits of availing personal loans through KreditBee platform:

  • User-friendly application: The KreditBee app can be downloaded from Google PlayStore on Android mobiles. The registration process is simple, too. You can sign in using your Google or Facebook account and only have to confirm the personal details provided.
  • Minimal processing time: Flexi Personal Loans can be disbursed into your bank account within 15 minutes provided all the submitted documents and details are accurate and in-order. For Personal loans to salaried, the disbursal can take up to 3 working days, if all the documents and details are correct and in-order.
  • Complete online process: Be it applying for the loan or making repayments, the process is completely online. You can access your account anytime you want and from just about anywhere.
  • Loans for first-time applicants: Even for individuals who do not have any previous loans or other credit facilities, it is possible to avail a loan with KreditBee. By making regular payments of these loans, you can build a strong credit score and profile.

KreditBee Personal Loan Interest Rates

KreditBee loan interest rates vary with the type of loan you wish to avail. Following are the applicable interest charges:

  • Rate of interest for Flexi Personal Loan: 18% to 29.95% p.a.
  • Rate of interest for Personal Loan for Salaried: 15% to 29.95% p.a.
  • Rate of interest for E-voucher Loans or Online Purchase Loan: 0% to 24% p.a.

Eligibility Criteria

In order to be eligible for the loan, you need to fulfill the following KreditBee Eligibility Criteria:

  • You should be aged be above 21 years and should not be older than 45 years.
  • You should be an India citizen.
  • You should have a Facebook or Google account for signing up on KreditBee.
  • You should be salaried or have another monthly source of income.
  • You should have an Aadhaar-linked mobile number to receive OTP from UIDAI for e-signing the loan agreement.
  • You should have the necessary KYC and address proof documents.
  • You should have a PAN Card for identity proof.
  • You should have been employed for at least 3 months in the current organization.
  • You should have a minimum monthly salary of 10,000 for Flexi Personal Loan, 15,000 for Personal Loan for Salaried.
  • You should have a valid Savings Bank Account and you should be the Primary Bank Account Holder.

Types of KreditBee Loans

Following are different types of KreditBee Loans:

Flexi Personal Loan


Flexi Personal Loans are small-ticket size loans, ideal for small expenses or unexpected emergencies. You can also use them in a cash crunch at the end of the month. Use these loans to pay utility bill, insurance premium, or last-minute gifting for someone's birthday.

Loan amount

1,000 - 10,000


2 months (62 days) - 6 months

Rate of interest

18% - 29.95% p.a.

Processing fee

85 - 1,250

Personal Loan for Salaried


These loans are offered to salaried individuals to help them bear short term expenses like marriage, travel, Car or Bike Loan EMIs, Credit Card EMIs, Home Loan EMIs, and personal emergencies.

Loan amount

10,000 - 2 Lakhs


3 months - 15 months

Rate of interest

15% - 29.95% p.a.

Processing fee

500 - 6% of the loan amount

Online Purchase Loan/ E-voucher Loans/E-commerce Shopping Loans


This loan helps you convert your online purchases (for fashion, mobile, electronics, travel, ticket booking, & furniture) on Flipkart, Amazon, Myntra, Jabong, MakeMyTrip, & Nykaa into easy EMIs.

Loan amount

1,000 - 10,000

Rate of interest

0% - 24% p.a.

Processing fee

0 to up to 5% of the loan amount

Documents Required

Documents required to apply for a Personal Loan through KreditBee are mentioned below:

  • PAN Card to check your Credit Score and other financial parameters.
  • Address proof: Aadhaar Card/Masked e-Aadhaar/Voter ID/Passport/Driving License
  • Salary proof
  • Employment proof
  • Bank statement of salary account
  • Salary slips

You will need to provide some details, like your personal details, reference contact details, employment details.

Fees and Other Charges

Following are the fees and charges associated with KreditBee Loans:

Charges Details Amount

Processing fees

Flexi Personal Loan

85 - 1,250

Personal Loan for Salaried

  500 - 6% of the loan amount

E-Voucher Loans

  0 - 5% of the loan amount

Late payment charges


One Time Overdue Charge

Per Day Penalty Charge

 Flexi Personal Loan

  10 - 200

  5 - 75

Personal Loan for Salaried


0.15% of the instalment principal amount for each & every instalment

For E-voucher Loan


0.2% of the instalment principal amount for each & every instalment

Convenience fee

(for repayment made using online facilities)

Net banking

 6 -  15 per transaction (depending on bank)

Debit Card

0.90% for amount above  2,000


 5 -  11 per transaction (depending on bank)

Wallet or Prepaid

Up to 1.90% (depending on wallet selected)

Penalty charges for auto-debit

Up to 100 (may vary from Bank to Bank)

Onboarding fee, document collection fee, agreement fee

One-time fee, communicated by the loan representative

Credit reassessment fee

This fee is to be paid every time your profile is re-evaluated for a credit increase.

* The above-mentioned charges exclude GST & other applicable taxes.

Kreditbee loan process - How to Apply

In order to apply for a KreditBee Personal Loan, just follow the below steps:

    • Install the KreditBee mobile app from the Play Store.
    • Register yourself with your Facebook or Google profile.

KreditBee Login


    • Fill in the basic details about yourself to check your eligibility for obtaining a Personal Loan through KreditBee.

Check Your Eligibility


    • You will be shown an 'eligibility successful' page and an SMS indicating the same will be sent on your registered mobile number (this process might take up to 24 hours). You will receive a call within 1 working day of application from KreditBee.

Eligibility Notification


    • After your eligibility is confirmed, you will be required to upload your KYC documents and fill in a few more details.

KYC Documents


  • After uploading the KYC documents and providing other additional information, your profile will be verified, depending on the quality and authenticity of the uploaded documents.
  • On complete verification, you can apply for a loan on KreditBee and sign a loan agreement.
  • After signing the loan agreement, the amount will be disbursed to the bank account provided by you within 15 minutes.

Alternatively, you can also apply through KreditBee's website by following a similar process.

Check KreditBee Personal Loan Application Status

If you are already having an outstanding loan with KreditBee, download the KreditBee app on Android mobile. You can check the status of your KreditBee personal loan application by logging into the Instant Loan App with your KreditBee credentials. You can also call customer care on 080-44292200 to know your personal loan application's status.

EMI Calculation

It is never a good idea to jump into any loan without knowing the equated monthly instalment (EMI) that is payable on the loan. This helps you understand if the loan is affordable and also allows you to make necessary changes in your budget in order to accommodate a loan if it is extremely necessary.

You can use KreditBee EMI Calculator to calculate your KreditBee Personal Loan EMI. The calculator reduces the effort on your part and ensures that there are no errors in the calculation of the EMI. All you have to do is:

  • Visit KreditBee's website.
  • Click on More tab on its homepage & select EMI Calculator.
  • Enter the loan amount, rate of interest, and tenure of the loan.
  • Click on Calculate button.
  • The EMI is displayed instantly on the screen, making it easier for you to calculate your finances accordingly.

Alternatively, you can also use MyMoneyMantra's free online EMI Calculator.

KreditBee Customer Care

You may get in touch with KreditBee Customer Care through the following options:

  • Customer care number: 080-44292200 (anytime between 10AM to 7PM from Monday to Saturday, except public holidays).
  • E-mail:

The Grievance Redressal Officer will try to resolve your grievance within 14 days from the date of receipt of a grievance.

Comparison of KreditBee vs Other Lenders

Here is a comparison of KreditBee with other lenders based on their key features:

Lender Name Interest Rate (per annum) Processing Fee Loan Amount Tenure


0% - 29.95%

0% - 6% of the loan amount

1,000 - 2 Lakhs

2 months- 15 months


2.75% - 3%

Up to 2%

7,000 - 3 Lakhs

62 days - 1 year


24% - 30%

Up to 4,000

5,000 - 5 Lakhs

90 days - 730 days

Money View

Starting at 15.96%

Starting at 2%

10,000 - 5 Lakhs

Up to 5 years


Starting at 13%

Up to 2% + GST

3,000 - 5 Lakhs

2 months - 36 months


11.99% - 59.99%

Up to 10% + GST

500 - 5 Lakhs

3 months - 36 months



✅ What is KreditBee?

It is an online platform that provides Instant Personal Loan of up to 2 Lakhs to individuals. KreditBee is a technology intermediary that facilitates Personal Loans from regulated lenders to individuals. The entire process is online starting from registration to disbursement. On approval of loan application, the cash is instantly transferred to the user?s bank account.

✅ Who can avail KreditBee Loan?

Any Indian individual who is aged above 21 years and salaried or has another monthly income source can apply for a Personal Loan via the KreditBee Platform.

✅ What are the interest charges levied by KreditBee?

Interest rates vary between 18-29.95% for Flexi Personal Loan, 15-29.95% for Personal Loan for Salaried, and 0-24% for E-voucher Loans.

✅ Can I get two or more loans simultaneously at KreditBee?

No. You can avail only one loan at a time on KreditBee.

✅ Which documents should I submit for a KreditBee Personal Loan?

Every user who applies for a KreditBee personal loan will be required to submit the following documents:

  • PAN: To check your credit score & other financial parameters.
  • Address & identity proof: A copy of Aadhaar/Masked e-Aadhaar/Passport/Voter ID (any one).

✅ How can I check the amount of my credit limit?

You can check your credit limit amount or maximum disbursement amount from the KreditBee app.

✅ Can I avail a loan above 1 Lakh?

Yes. Depending on your past repayment behaviour and documents provided by you, you can avail a loan of more than Lakh.

✅ What will be the repayment date of my loan?

You can find your loan's repayment date by logging into the KreditBee app. The repayment tenure may vary between 2 months (minimum of 62 days) to 15 months from the date of disbursal.

✅ What is the processing fee levied on KreditBee Loan?

Processing fees may vary between 85 to 1,250 for Flexi Personal Loan, 500 to 6% of the loan amount for Personal Loan for Salaried, and 0 to 5% of the loan amount for E-voucher Loans.

✅ Is it mandatory to have a Facebook or Google Account to get this Loan?

Yes, in order to apply for a loan on KreditBee, having a Facebook or Google Account is mandatory. This is because the eligibility of the applicant is also assessed based on their social media usage and profile.

✅ Are there options to make prepayments on loan?

Yes, you can make prepayments on your KreditBee Personal Loan without any added charges. All you have to do is send an email to to get details of making prepayments or foreclosures on loan.

✅ What are the repayment options available?

Customers will have to make all EMI payments towards the loan through the KreditBee application. This can be done using credit cards, debit cards, UPI, mobile wallets, net banking, and other online services. You can also opt for an auto-debit option from your account for repayments on the dedicated due date.

✅ Is it mandatory to have an Aadhaar-linked mobile number?

In order to avail your Personal Loan, you have to provide an E-signature. For this, an Aadhaar linked number is preferred. If you do not have an Aadhaar linked mobile, you can also register using an OTP sent to the registered number.

✅ Can I provide a joint account for the loan amount to be transferred into?

Yes. A joint account may be provided by the user. It is mandatory for the applicant to be one of the account holders.

✅ The application does not list my profession. Can I still get a loan?

Yes, you can get a loan even if your current profession is not mentioned in the application. Send an email about your employment details to

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