Home Credit

Instant Home Credit Cash Loan

Home Credit Cash Loans are perfect for small yet urgent requirements as the lender lends instant personal loan amounts ranging from Rs. 25,000 to Rs. 2 lakh for a repayment tenure of up to 48 months. The yearly interest rates start from 24% and can go up to 49% depending on the loan quantum and tenure, and the processing fee is chargeable @0% to @5%. Besides, there are no pre-payment fees or any hidden charges if you are applying for an instant Home credit cash loan online.

Features of applying Instant Home Credit Cash Loan Online

Applying for instant Home Credit Cash Personal Loan Online has several beneficial features that make the loan appealing and convenient to the customer.

  • The available loan quantum is convenient for people who don’t want to borrow a lot.
  • A borrower gets flexible repayment tenure.
  • The rate of interest is convenient.
  • 100% paperless application process makes it easy to apply for a loan from anywhere and at any time.
  • Proper documentation ensures instant approval of the application.
  • While applying for the Home Credit Cash Loan Online there are no hidden charges that may increase your repayment burden.
  • Zero credit history is required to apply for the Home Credit Online.
  • To apply for Instant Home Credit Cash Loan Online, no collateral or guarantor is mandatory.
  • Once you have applied for the Instant Home Credit Cash Personal Loan Online, the loan amount can be disbursed within an hour into your bank account.
  • The preclosure facility is also available without any charges.
  • Home Credit Cash Loan is available in 300+ Indian cities.

Criteria to apply for Home Credit Cash Loan Online

Loan Amount Rs. 25,000 to Rs. 2 lakh
Tenure Up to 4 years
Interest Rates 24% to 49% p.a.
Processing Fees 0% to 5%
Preclosure Fees (Allowed after the first six months) Zero


Eligibility Criteria To apply for Home Credit Cash Loan Online

Age 19 years and above
Minimum Income Rs. 10,000/ month
Profession Salaried individual
Nationality Indian


Documents Required To Apply For Home Credit Cash Online

Following documents will be required to apply instantly for the Home Credit Cash personal Loan Online.

  • PAN Card
  • Valid address proof (Voter’s ID card/ Aadhaar Card/ Passport/ Driving License)
  • Bank account (along with net banking facility)


Here are the answers to some frequently asked questions that applicants may have regarding the Home Credit Cash Loan.

What are the modes available to repay the Home Credit Cash Loan?

  • To repay your Home Credit Cash Loan, you can select any of the following options.
  • Pay through the official website of Home Credit.
  • Pay on the official mobile app of Home Credit.
  • Authorized branches of Axis Bank and ICICI Bank receive offline repayments.
  • Pay through Vodafone MPesa, PayU, Paytm.
  • Or you can pay using your debit card, credit card, net banking, UPI, or e-wallets.

Is there any preclosure facility available?

Yes, the conditional preclosure facility is available after the successful payments of the first 6 EMIs with zero pre-closure fees.

What can I do if there is no Home Credit point near me?

You can contact the customer care department of Home Credit on 91-1246628811 or 1800-121-6660, and they will help you to find your nearest Home Credit point.

What should I do if I don’t get the loan documents on time?

In case you haven’t received the loan document yet, you can email and a representative will contact you to resolve the issue.