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The description of KreditBee Instant Personal Loan App Online Loan

KreditBee is an instant personal loan app trusted by 1 Crore+ Indians. Avail personal loans starting from ₹ 1,000 to ₹ 2 Lakhs, as per your approved credit. On approval, get a direct bank transfer within minutes.

Get approved for personal, salary loans & EMIs with minimal documentation & small transaction fees.

Loan amount: From ₹1,000 to ₹200,000
Interest rates: From 0% to 29.95% per annum
Tenure: 62 days to 15 months

Why KreditBee?

✔ Instant loan approval: Instant personal loans are approved within 15 minutes from registration to direct bank transfer.

✔ Shopping EMIs: Avail online purchase EMI loans for categories like fashion, electronics, travel, furniture & more.

✔ Transparency with customers: Loans from RBI certified NBFCs/Banks are made available to our customers.

✔ Flexible Interest rate: Varied interests starting from 0% to 29.95% per annum.

Types of loans

👉 Flexi Personal Loan - Need to borrow money? We offer short repayment terms from 62 days to 6 months for borrowing instant money ranging from ₹1,000 to ₹10,000. Only PAN card & address proof needed.

👉 Premium Loans for Salaried - Personal Loans worth ₹10,000 to ₹2 Lakhs with flexible disbursement tenure ranging from 3 to 15 months on our urgent loan app. Only PAN card, address proof & salary proof needed.

👉 Premium Loans for Self Employed - Personal Loans worth ₹40,000 to ₹2 Lakhs with flexible disbursement tenure ranging from 3 to 10 months. Only PAN card & address proof needed.

👉 Online Shopping Loan - Avail Buy Now, Pay Later EMI plans. Shop freely on partner platforms like Flipkart, Amazon, Myntra, Nykaa, MakeMyTrip & more with fast personal loans & E-vouchers. Only PAN card & address proof needed.

👉 KreditBee Card - Purchase anything online, or withdraw cash directly into bank account. Pay back later. Only PAN card & address proof needed.

Personal Loan for Salaried (Example)

Loan amount: ₹ 50,000
Tenure: 12 months
Interest Rate: 20% per annum
Processing Fee: ₹ 1,250 (2.5%)
New customer onboarding Fee: ₹ 200
GST on Processing and Onboarding Fees: ₹ 261
Total Interest: ₹ 5,581
EMI: ₹ 4,632
APR: 23.2%
Loan amount is ₹ 50,000. Disbursed amount is ₹ 48,289.
Total loan repayment amount is ₹ 55,581.


1. Indian resident
2. Above the age of 21 years
3. Should have monthly source of income

How to get started

1. Install KreditBee app
2. Create your account
3. Fill your basic details to check first level eligibility
4. Upload KYC documents - ID, Address Proof & PAN card
5. Avail Loan as bank transfer or E-voucher as per your request

One of our primary partner NBFCs - Krazybee Services Private Limited is a Systemically Important NBFC within the group.

Fees & Charges

Interest rates range from 0%-29.95% with equivalent monthly interest rate of 0%-2.49% only.

A small processing fee is charged for loans:
0 - 3% charged for low risk customers
2.5% - 7% charged for high risk customers*

The APR for different personal loan products:
low risk customers is 0%-36%
medium risk customers is 18%-39%
high risk customers is 24%-42%
Very high-risk customers are 24%-70%

KreditBee charges a one-time service fee while onboarding or during upgrade which is ₹20-₹350 depending on the risk profile.

*The charges and repayment tenures vary based on creditworthiness and repayment ability of the customers. Penalty is charged only when someone delays their scheduled payment.


Mail: [email protected]
Call: 08044292200

Let’s Connect!

Facebook: kreditbee
Twitter: kreditbee
Instagram: kreditbee


16/3, Adarsh Yelavarthy Centre, opp to Frank Anthony School, Cambridge Layout, Jogupalya Bangalore Karnataka 560008 India

Get your loan approved instantly. Download the app now!
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  • Requirements:

    Android 4.4+

KreditBee Instant Personal Loan App Online Loan 1.5.4 APK for Android 4.4+

Version 1.5.4 for Android 4.4+
Update on 2022-02-08
Installs 10.000.000++
File size 18.239.866 bytes
Permissions view permissions
What's new Bug fixes


  • Meet urgent funding requirements with an instant personal loan of 50,000 Rupees from Bajaj Finserv. Fulfil minimum eligibility criteria and complete a hassle-free application process to receive instant approval and quick disbursal of Rs. 50,000 loan. Avail the advance without providing any collateral.
  • PayMe India is a Noida-based fintech start-up offering short-term and long-term loans to salaried persons. Its website says one can take a loan of Rs. 1,000-1,00,000 for 2-30 days at 2-6% interest per month and Rs. 500 processing fee.
  • How To Apply For Personal Loan With Salary Less Than Rs. 20,000
    • Share your phone number.
    • Enter your email id.
    • Specify your personal loan amount.
    • Check the 'I authorize' tick-box.
    • Click on 'Apply Now'.
    • Have our customer care representative get in touch with your offer details.
  • List of the best instant personal loan apps in India:
  • If you are looking for instant financial help, KreditBee has got you covered. We provide instant personal loans starting from ₹1,000 up to ₹3 Lakhs at minimal interest rates. The process is completely online and saves a lot of your time that is generally wasted due to unwanted manual intervention.
  • You can avail your KreditBee personal loan statement online by logging into the KreditBee app or by visiting the company's website and logging into your personal loan account.
  • The RBI has approved and recognised KreditBee as a Non-Banking Finance Company (NBFC).
  • KreditBee Customer Care You can reach out to the customer service department of KreditBee in the following ways: You can call on 080-4429-2200 (call charges applicable) You can send an email on [email protected].
  • Steps To Apply for a ₹15,000 Loan
    • Download the Navi app from Play Store, or App Store.
    • Register with your mobile number.
    • After clicking apply, answer the questions shown, such as: ...
    • There will be a short digital eligibility check on the app during which you don't need to do anything but wait.
  • A: A salary of Rs. 15,000 generally falls in the category of a low-income borrower group. So, an instant personal loan app with a maximum approval amount of 1.5 Lakhs can be availed by the borrower with a starting salary of Rs. 15,000.
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