CreditSea: Personal Loan App
Easy Instant Personal Loan App
No in-app products collected for this app.
| Rating | |||
|---|---|---|---|
| India | 100%1,156 | 4.13 |
Description
Need a Quick Loan? Get a Personal Loan with CreditSea!
CreditSea makes borrowing simple and hassle-free. Get a personal loan of up to ₹2,00,000 directly in your bank account with minimal paperwork and a fully online process.
What We Offer:
Loan Amount: ₹5,000 - ₹2,00,000
Interest Rates: 12% - 32.5% per annum
Loan Tenure: 6 - 60 months
Processing Fee: Up to 5.1% + GST
Fast Transfer: Funds disbursed quickly
No Collateral Required
Foreclosure & Part-Prepayment Options
Eligibility Criteria:
Indian citizen
Minimum age: 24 years
Monthly income: ₹20,000+ (personal), ₹25,000+ (household)
Valid ID and address proof
Aadhaar-linked mobile number
Salaried employee with at least 2 months in the current company
Documents Required:
PAN Card
Income proof: (bank statement showing salary credit)
Example Loan Calculation:
Loan Amount: ₹2,00,000 for 3 years
Processing Fee: ₹8,260
Interest Rate: 24% p.a. (reducing balance)
EMI: ₹8,020 per month
Total Payable: ₹2,88,720
APR: 30.15%
Fees & Charges:
Foreclosure: 4% of principal outstanding + GST
Part-Prepayment: 4% of principal prepaid + GST
EMI Bounce: ₹500 or 4% of overdue principal (whichever is lower)
Late Payment: 36% p.a. on overdue amount
How to Apply:
Download the CreditSea App
Sign up and complete your profile
Upload required documents
Select loan amount and tenure
Receive funds in your bank account
Permissions We Require:
Location: To verify service availability and ensure regulatory compliance
Camera: To capture KYC documents and selfie for identity verification
Application Requirements:
Mobile number and email
Full name, date of birth, PAN card
Employment details and income proof
Address proof (permanent & current)
Reference contact
Bank account details for loan disbursement
Why Choose CreditSea?
Fast and easy application
100% digital process
No hidden charges
Trusted by thousands of users
Download the CreditSea App and get your loan approved today!
