Frequently Asked Questions

Got queries? We’ve answered the most common ones below to help you decide with confidence.

What factors determine my eligibility for a personal loan?
Eligibility is based on your income, employment status, credit score, and existing liabilities. Even first-time borrowers can apply.
How to get a personal loan with a low credit score?
We consider alternative data like income and cash flow, making it possible to get a loan even with a lower credit score.
Is digital KYC accepted for personal loan applications?
Yes, absolutely! We support digital KYC, so you can complete identity verification using Aadhaar OTP or video KYC, saving you time and hassle. It’s secure, fast, and eliminates the need for physical paperwork.
Are there flexible repayment options for business loans?
Yes! Choose from varied EMI plans and repayment terms that match your business cash flow.
Can I get a home loan for renovation purposes?
Absolutely. Our home loan covers purchasing, building, or renovating your property to suit your lifestyle needs.

Overview

Average Percentage Rate (APR)

Credipulse is a service arm of CredBuddha – a loan aggregator platform operated by Intexm Media Private Limited, a registered financial technology company that facilitates loan aggregation through RBI-regulated banks and NBFCs. You can secure an instant personal loan ranging from ₹10,000 to ₹15 Lakhs. Our preferred lenders offer interest rates starting at 11.99% p.a., and you can choose from a variety of flexible repayment plans, ranging from 3 months to 5 years. Use these funds for any financial needs you may have.

Example Calculation
  • Loan Amount: ₹2,00,000
  • Interest Rate: 12%
  • Repayment Tenure: 2 years
  • Processing Fee: 2% = ₹4,000 + GST = ₹4,720
  • Line Setup Fee: ₹499 + GST = ₹588 (to be paid before starting the credit line)
  • Monthly EMI: ₹9,415
  • Total Interest: ₹25,953
  • Total Repayment Amount: ₹2,25,953 after 2 years

The maximum Annual Percentage Rate (APR) can go up to 35%, depending on our RBI-approved lenders.

Why Choose the Cred Buddha App?
  • Instant Loans up to ₹50 Lakhs*
  • Affordable Interest Rates: Starting at 11.99%* p.a.
  • RBI-Approved Lenders
  • 100% Paperless Digital Application
  • Highest Approval Rate & Quick Disbursal
  • Flexible Repayment Plans: 3 months to 5 years
  • Transparent & Convenient Loan Process
  • Safe & Secure Transactions

Your data is secure with us. It is transferred over a secure HTTPS connection, and we do not share it without your consent.

Instant Loan Eligibility with Cred Buddha
  • Age: 21 to 60 years
  • Residence: Indian Resident
  • Income: Minimum monthly income of ₹15,000 (for salaried) or annual turnover for self-employed (as per lender)
  • Credit Score: CIBIL score of 650 or higher* (subject to lender approval)
  • Employment: Salaried job in the public/private sector or consistent self-employed income
  • Business Vintage Requirement: Minimum of 2 years or more (only for business loans)
Steps to Apply for an Instant Loan
  1. Log in to the Credipulse application.
  2. Provide your basic personal information.
  3. Specify the loan amount you need.
  4. Connect with RBI-approved lenders.
  5. Receive the funds directly in your bank account.

It's safe, instant, and reliable!

Our Lending Partners

Bajaj Finserv, LoanTap, Aditya Birla Capital, Bhanix, Fibe, Zype, Incred Finance, Poonawala Fincorp, Fatak Pay, Flexi Loans