CreditSea: Personal Loan App

CreditSea Personal Loan App makes credit fast, easy, and hassle-free! Apply digitally and get instant loan approvals with a 100% online process.

👉 Please note: CreditSea is a digital platform (Lending Service Provider – LSP). All loans are sanctioned and disbursed solely by our RBI-registered NBFC partners,

Our Lending Partners

1. Meghdoot Mercantile Private Limited

Website: https://meghdootmercantile.com/

RBI Registration Number: B-05.03357

2. Chhotaria Securities Private Limited

Website: https://www.chhotariasecurities.com/

RBI Registration Number: B-05.04798

What We Offer

✅ Loan Amount: ₹5,000 – ₹2,00,000 (sanctioned by RBI-registered NBFCs)

✅ Interest Rate: 14% – 36% per annum

✅ Loan Tenure: 3 – 36 months

✅ Processing Fee: Up to 5.1% of the principal amount + applicable GST

✅ Quick & Direct Transfer: Funds are disbursed directly to your bank account by our NBFC partners

✅ No Collateral Required

✅ Foreclosure & Part-Prepayment Available

✅ Maximum APR: 50%

Eligibility Criteria

✔ Indian Citizen

✔ Minimum Age: 22 years

✔ Aadhaar-linked Mobile Number

Representative Loan Example (Illustrative)

Loan Amount: ₹2,00,000

Loan Tenure: 36 Months

Interest Rate: 24% per annum (reducing balance)

Processing Fee: ₹8,260 (including applicable GST and charges)

Estimated EMI: ₹7,850 (approx.)

Total Repayment: ₹2,82,600 (approx.)

Maximum APR: Up to 50% (APR varies based on loan amount, tenure, interest rate, processing fees, and applicable charges.)

Fees & Charges (As Applied by NBFC Partner)

💳 Foreclosure Charges: 4% of Principal Outstanding + applicable GST

💰 Part-Prepayment Charges: 4% of Principal Prepaid + applicable GST

⚠ EMI Bounce Charges: 4% of Principal Overdue or ₹500 (whichever is lower)

📌 Penal Charges: Up to 36% per annum on Principal Overdue (plus applicable GST, wherever applicable)

Our Policies

Privacy Policy: https://creditsea.com/privacy-policy

Terms and Conditions: https://creditsea.com/terms-and-conditions

Privacy Policy of Meghdoot Mercantile Private Limited (NBFC): https://meghdootmercantile.com/privacy-policy

Privacy Policy of Chhotaria Securities Private Limited (NBFC): https://www.chhotariasecurities.com/assets/pdf/privacy-policy.pdf

Account Deletion: https://www.creditsea.com/account-deletion

Application Requirements

📱 Mobile Number

👤 Full Name

📇 PAN Card

🏢 Employment Type & Company Name

💵 Monthly Income

📞 Reference Contact

🏦 Disbursement Bank Account Details

🔄 eNACH / UPI e-Mandate

Why Choose CreditSea?

✔ Fast & Easy Loan Application

✔ Completely Digital Process

✔ Quick Loan Approval

✔ Instant Loan Disbursal by our NBFC partners

✔ No Hidden Charges

✔ Trusted by Lakhs of Users

✔ Partnered with RBI-Registered NBFCs

📲 Download the CreditSea Personal Loan App Now & Apply Instantly! 🚀