Cash by CRED Personal Loan App

Built for the creditworthy. Including first-time borrowers and students.

Cash by CRED is an instant loan app that shows you the full picture before you borrow a rupee. For an emergency loan, a medical loan, or a big life moment, this personal loan app puts your credit score, spending habits, and EMI plan in one place.

Your personal loan app

See your credit score, what you have left each month, and your exact EMI before you borrow.

Check your credit score for free, any time

Check your credit score for free, whenever you want, with no impact on your score. See what's moving it: on-time repayments, how much of your limit you use, and the habits lenders look at. Understanding it is the first step to better loan offers over time.

Track your spends before you borrow

Cash by CRED's spend tracker breaks down where your money goes - food, bills, subscriptions, everything. Knowing what you have left each month before you apply for a personal loan helps you borrow only what you can manage.

Plan your EMI before you apply

Adjust the loan amount and tenure to see the exact EMI, interest, and processing fee before submitting. Check eligibility without affecting your credit score. This instant loan app for students and salaried professionals is built so you know what you're getting into.

Instant loan app, money in 30 minutes to 2 hours

From eligibility check to money in your account, everything is 100% online. No branch visits, no queues, no salary slips or bank statements. Just a mobile number, PAN card, and basic KYC via Digilocker. Fast approval, transparent terms: what you see is what you pay.

An instant loan app for students and first-time borrowers

Getting your first loan shouldn't feel impossible. Cash by CRED is a loan app for students and first-time borrowers without a long credit history. Eligibility is based on your full financial picture, not one number. It is a personal loan app in India for people new to credit.

Emergency loan, when you need money fast

For medical bills, a rent gap, a family emergency, or urgent travel, this emergency loan app sends money to your verified account in about half an hour.

Loans for every need

Emergency loan | Medical loan | Wedding loan | Travel loan | Home renovation loan | Top-up loan. Cash by CRED covers all of these on the same clear terms.

No hidden charges, ever.

The processing fee, interest rate, and total repayment are shown before you accept. No deductions you didn't know about. No WhatsApp spam. No permissions you didn't agree to.

Personal loans eligibility

Age: 21–60 years

Annual household income: ₹3,00,000+

Resident of India

Loan amount: Upto ₹15,00,000

Repayment tenure: 12 to 36 months

Interest rate: 10%–29% per annum

Processing fee: up to 4% (one-time)

APR: up to 40%

How to get a loan on Cash by CRED

Download the Cash by CRED loan app

Sign up with your mobile number

Check eligibility with PAN and Aadhaar

Complete KYC via Digilocker

Add your bank account

Choose your loan amount

Get money instantly in your account

Lending partner: Poonawalla Fincorp Limited

Cash by CRED is a digital lending app (DLA). The lending service provider is DTPL, and your loan is disbursed by its registered NBFC partner, Poonawalla Fincorp Limited. The app facilitates lending only to duly registered NBFCs and follows applicable RBI guidelines.

Representative example: on a ₹5,00,000 loan for 3 years at 20% per annum, the EMI works out to ₹18,582 and the processing fee to ₹17,700. The total payable is ₹6,68,945, a total cost of ₹1,86,645, at an effective APR of 21.92%.

Grievance officer: Atul Kumar Patro, grievanceofficer@cred.club

Cash by CRED is affiliated with CRED - India's most rewarding fintech platform, trusted by over 1.5 crore affluent Indians.

Privacy Policy: https://cred.club/cashbycred/privacy-policy

Support: cashbycredsupport@cred.club

Download Cash by CRED. Borrow responsibly.

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Terms & Conditions: https://cred.club/cashbycred/terms