Instant approvals

RBI-registered NBFCs

Loans approved in minutes, not days.

Personalised credit for every need — quick, transparent and completely digital. Check your eligibility in under two minutes, with no paperwork and no branch visits.

  • ₹10K – ₹1.5L
  • APR upto 35%
  • Approval in min
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Eligibility approved

in 2 minutes

Principal Amount

₹1,50,000

APR upto 35%

Principal

Min Rs. 5,000 Max Rs. 1.5L

Tenure

Min 60 Days Max 365 Days

Total interest

₹1,82,500

Total payable

₹2,32,500

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Why Choose Credme

We've reimagined the lending experience for Indian families — faster, fairer, and built entirely around you.

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Fast approvals

Get online personal loan approvals in minutes, even in urgent situations.

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Total transparency

No hidden charges — complete clarity on interest rates and fees.

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Flexible repayment

Flexible repayment options that help you stay in control of your finances.

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Bank-grade security

Your personal data is protected at every step with advanced security.

Products

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Fast approval

Personal Loan — Salaried

Empowering salaried individuals with fast loan approvals and flexible repayment Options for professionals aged 21–56.

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Flexible

Personal Loan - Self Employed

Empowering self-employed individuals with faster loan approvals and easy repayment options to balance personal and business financial needs.

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Under ₹1 L

Micro Loan

Instant funding up to ₹1,00,000 for unexpected expenses, short term cash requirements and everyday financial needs.

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Instant Emergency Loans Available at Your Fingertips. Apply Anytime, Anywhere!

Blogs

Personal Loans
Essential Document Checklist For a Personal Loan Application
By Credme - June 10, 2024
Read in 5 minutes
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How to Choose the Right Loan Tenure for a Personal Loan
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By Credme - January 09, 2026
Personal Loans
The Psychology Of Purpose-Specific Loans: Why Intent Matters
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By Credme - January 09, 2026

Frequently Asked Questions (FAQs)

An personal loan is an unsecured loan that you can apply for online and receive without collateral. It helps cover urgent expenses such as medical emergencies, travel, or bill payments, with approval and disbursal.

Salaried individuals who meet basic eligibility criteria such as minimum income, stable employment, valid KYC documents, and bank account details can apply. Final approval depends on verification and lender policies.

Once your application is approved and verification is completed, the loan amount is usually disbursed directly into your bank account within a short time, depending on the verification process and banking timelines.

Yes, the entire loan application process is 100% digital. You can apply online, upload documents, complete verification, and track your loan status without visiting any branch.

Loan eligibility is based on factors such as your monthly income, employment stability, credit profile, repayment capacity, and internal risk assessment.

No, all applicable charges, including interest rates and processing fees, are clearly disclosed before loan acceptance. We believe in complete transparency.

Yes, you may have the option to repay your loan early, subject to the lender’s terms and applicable foreclosure conditions.

Yes, your information is protected using advanced security systems and encryption to ensure complete privacy and data safety.

Rates and Fees

Monthly Interest Rate
Loan due date and fee icon

2.9166

Offered Annual Percentage Rate (APR)
APR interest rate icon

 35% (Fixed)

Tenure/Repayment Period
Loan tenure duration icon

1 - 3 Years

Minimum-Maximum Loan Amount

INR 10,000- 5,00,000

Processing Fee

 2%

GST on Processing Fee (Exclusive)

18%

Representative Example
Loan Amount APR Tenure Processing Fee GST on Processing Fee Amount Disbursed EMI Total Repayment Amount Total Interest
₹ 50,000 35% 12 Months ₹ 1,000 ₹ 180 ₹ 48,820 ₹ 4,998 ₹ 59,978 ₹ 9,978
Company Accreditation

We are registered under the name AVINASH CAPITAL MARKETS PVT. LTD., a registered NBFC (non-banking financial institution), approved by RBI.