Personal/Consumer Loan In 30 Second

Get approved in just 30 seconds with the EASYCRED platform!


Zero documentation required
Discover the perfect loan product for you
Access the best offers from RBI-licensed NBFC
Enjoy personalized loan options tailored to your needs
Experience a transparent and hassle-free process
Instant approval in 30 seconds!
Minimum 21 years of legal age

📲 Install App

Install As PWA on Android & iOS.Safe,Secure And Fast

Our Trusted Partners

JUSYPAY
JUSPAY
Technology Partner
MMTC PAMP
MMTC PAMP
Technology Partner
FIBE
FIBE
Lending Partner
OLYV
OLYV
Lending Partner

Loan Processing In 4 Easy Steps

1

Register Phone Number

Enter your mobile number to begin your loan application

2

Select Loan Product

Choose from our range of loan products

3

KYC/Credit Verification

Complete quick verification with our secure process

4

Disbursed In 30 Seconds

Get funds transferred to your account instantly

Personal Loan Calculator

For loans up to ₹5,00,000

₹10,000 ₹1,00,000 ₹5,00,000
6 Months 12 Months 48 Months
8% 12% 30%

Note: This calculator provides approximate values. Actual loan terms may vary based on your credit score, income, and lender policies. Processing fees and other charges are not included in this calculation.

EasyCred Products

Personal Loan

Instant approval | Quick disbursal
Loan Amount
₹20,000 - ₹5,00,000 to meet all your aspirations
Flexible Tenure
Repayment period of 6 - 24 months
Competitive Interest
Monthly interest starting from 2.6% only
Processing Fee
Low processing fee ranging from 0 - 12% of loan amount
Quick Disbursal
Amount directly credited to your bank account
Credit Benefits
Timely repayment gives you access to higher loan amounts

Consumer Loan

Easy shopping | Pay later
Loan Amount
₹10,000 - ₹2,00,000 for all your shopping needs
Flexible Tenure
Repayment period of 6 - 24 months as per your convenience
Special Interest Rate
Monthly interest starting from 0% (special offers)
Processing Fee
Low processing fee ranging from 0 - 12% of loan amount
Instant Disbursment
Amount credited in real time
Shopping Benefits
Enjoy Buy Now/Pay Later option at partner stores

Digital Gold/Silver

Invest in precious metals
Live Market Rates
Buy gold and silver at live market rates
Pure Quality
999.9 (24K) pure gold with certification
Real-time Pricing
Get real-time gold pricing for informed decisions
Transparent Reporting
Detailed transactions and reporting for all purchases
Digital Wallet
Convenient Gold/Silver Wallet to track your holdings
Liquidity
Sell digital gold & silver anytime at market rates

Invest in Digital Gold & Silver

Safe, Secure, and Convenient way to own precious metals

Gold
24K (per gram)

₹10,326.97/gm

+0.25%
Silver
(per gram)

₹107.00/gm

-0.15%
Prices update every minute. Last updated: Just now

Why Choose Digital Gold & Silver?

100% Secure

Your investment is backed by physical gold/silver stored in secure vaults

Start Small

Buy from as little as ₹100 or 0.01 grams

Instant Liquidity

Sell anytime and get money directly in your bank account

Gift or Redeem

Send digital gold as gifts or redeem physical delivery

Start Investing Today

Join thousands of smart investors who are growing their wealth with digital gold and silver

Investment Amount ₹1,000
₹100 ₹1,00,000
You get: ≈ 0.191g Gold
Or ≈ 15.94g Silver

Secure Storage

Gold stored in insured, RBI-approved vaults

Low Fees

Minimal making charges compared to physical gold

Easy Management

Buy, sell, or gift with just a few taps

Frequently Asked Questions

  • What Is EasyCred

    Easycred is a leading loan aggregation platform dedicated to providing seamless financial solutions to both retailers and individuals. In collaboration with a prominent RBI-approved lending partner, we specialize in offering personal and consumer loans tailored to meet diverse needs.

    For Retailers: Easycred empowers retailers by enabling them to establish their own e-storefronts. Through this platform, customers can purchase a wide range of products and conveniently convert their payments into easy EMIs, enhancing customer satisfaction and driving sales growth.

    For Individuals: Easycred offers a curated selection of loan options with competitive interest rates, ensuring affordability and flexibility. Our streamlined process allows individuals to access funds directly into their bank accounts within just 30 seconds, providing a quick and hassle-free borrowing experience. With a commitment to innovation and customer-centric solutions, Easycred is redefining the way retailers and individuals access financial products, making loans simpler, faster, and more accessible.

  • Who We Are?

    Easycred is a premier loan aggregation platform headquartered in Patna, Bihar. Founded by a team of seasoned professionals with over 20+ years of diverse experience across various roles and industries, we are committed to revolutionizing the lending landscape. Our small yet passionate team of engineers and business professionals is dedicated to building a next-generation lending platform that combines innovation, efficiency, and customer-centric solutions.

    Leadership Team:
    Siddharth Chandra: With over 20+ years of experience, Siddharth has held key roles at global product giants such as NVIDIA, Adobe, and Intel. His expertise spans working in both established corporations and bootstrapped startups, bringing a wealth of knowledge in technology and product development. LinkedIn Profile
    Rohit Pandey: A seasoned professional with over 20+ years of experience in business development and sales, Rohit brings strong business acumen and a proven track record of driving growth and building strategic partnerships.

    At Easycred, we are driven by a shared vision to create a seamless, transparent, and accessible financial ecosystem for individuals and businesses alike. Our platform reflects our dedication to innovation, trust, and excellence in the lending industry.

  • How Amount Is Credited Into Account?

    The Easycred platform is built on industry-standard, enterprise-grade technology, ensuring a robust and secure experience for all users. We prioritize your safety and privacy, which is why our process is designed to be simple yet highly secure.
    To get started, all we require is your mobile number, which must be linked to your Aadhaar or PAN for verification. Our advanced AI-powered system swiftly evaluates your creditworthiness and credit history, enabling us to make informed decisions in real-time.
    Once your loan application is approved, the requested amount is disbursed directly into your bank account within just 30 seconds, offering you unparalleled speed and convenience.
    At Easycred, we combine cutting-edge technology with a commitment to security, ensuring a seamless and trustworthy lending experience for every customer.

  • Why EasyCred ?

    Faster Approval Times
    Trust and Security
    Data Privacy Measures
    Showcase Positive Feedback
    Minimal Documentation

  • How We Finance ?

    At Easycred, we have established strong partnerships with leading Banks and NBFCs across India, enabling us to offer a wide range of tailored financial products. Our platform leverages advanced AI technology to perform a soft credit check, ensuring a quick and accurate assessment of your creditworthiness without impacting your credit score.
    We are dedicated to providing low-cost consumer and personal loans to millions of individuals across the country. Our mission is to make financial solutions accessible and affordable for everyone, regardless of their background or financial standing.
    Understanding the diverse needs of consumers across the spectrum, we are committed to delivering seamless, transparent, and customer-centric lending experiences. At Easycred, we believe in empowering individuals with the financial tools they need to achieve their goals.

Current Openings

  • Easycred is looking for dynamic professionals willing to work in a challenging environment.
    At Easycred we provide the best platform and a great start for aspirational individuals who are willing
    to be a part of a product-based organization that is scaling up Please feel free to drop your resume at

    [email protected]
    We will get back to you regarding your application. If you feel you are a special candidate and
    still can't find your dream position, please don't hesitate to drop us an email.
    We would love to talk with you and explore the possibility of creating a special position just for you.

  • Design, prototype, and deploy GenAI-powered features using LLMs (e.g., OpenAI, Claude, LLaMA).
    Develop and optimize prompt engineering and workflows for retrieval-augmented generation (RAG), summarization, question answering, personalization, etc.
    Build and manage AI pipelines that connect models to user inputs and app logic.
    Work closely with product, design, and engineering teams to make AI feel natural and delightful for users.
    Fine-tune open-source models when needed (LLMs, image, or multimodal).
    Build and manage vector stores for embeddings, search, and context-aware responses.
    Ensure performance, latency, and cost-efficiency of AI systems in production.

    Tech Stack / Tools You Might Use
    ● LLMs/APIs: OpenAI (GPT-4), Claude, Cohere, Hugging Face, Mistral
    ● Vector DBs: Pinecone, Weaviate, FAISS, Chroma
    ● Frameworks: LangChain, LlamaIndex, Transformers, PyTorch
    ● Infra: Docker, FastAPI, AWS/GCP, serverless deployments
    ● Data: Python (Pandas, NumPy), JSON, CSV, SQL
    ● Experiment Tracking: Weights & Biases, MLflow (optional but useful)



    Work Location
    Remote / Hybrid
    Full-Time

  • Build and maintain scalable web and mobile applications (React, React Native with strong experience in NodeJS/MongoDB).
    Develop robust backend services and APIs using Node.js / Python / FastAPI or similar.
    Implement CI/CD pipelines, manage deployments (Azure, AWS, GCP,Digital Ocean), and ensure uptime.
    Integrate AI/LLM APIs and collaborate closely with ML engineers to embed AI into the product.
    Collaborate with designers and PMs to bring smooth, GenAI-enhanced user experiences to life.
    Handle DevOps responsibilities: containerization (Docker), cloud infra setup, monitoring, performance optimization.
    Ensure code quality via testing, code reviews, and automation.
    Wear multiple hats: ideate, prototype, ship fast, iterate faster.

    Tech Stack (you don't need all of these, but familiarity is a plus)strong
    ● Frontend: React / React Native
    ● Backend: Node.js / Express / Python / FastAPI
    ● Mobile: Android (Kotlin/Java), iOS (Swift), or cross-platform (React Native preferred)
    ● Infra: Docker, GitHub Actions, AWS/GCP, Firebase, Supabase, Vercel
    ● DBs: MongoDB, Redis
    ● AI Integration: OpenAI, LangChain, vector DBs (e.g., Pinecone, Weaviate)
    ● Monitoring: Sentry, Datadog, CloudWatch



    Work Location
    Remote / Hybrid
    Full-Time

  • Looking for Interns who have just passed out from College
    What we would offer is exposure to the latest technologies such as Google Cloud, AWS, Mongo, and much more
    We would provide on-the-job training and make you industry-ready and this internship would be for 6 Months

    Minimum Qualification

    BE/BTech or a Vocational/Technical graduate degree from a reputed college
    Freshers passed Out From college (Upward 2022 Batch).
    However, exceptions are welcome
    Understanding of Data Structures
    It is good to know JAVA/JAVASCRIPT
    Problem-Solving Skills
    Adaptability to the startup environment
    This is not a paid position and no stipend/expenses would be provided


    Work Location
    Remote / Hybrid
    Intern

  • Looking for Interns who have just passed out from College
    What we would offer is exposure to the latest technologies such as Modern Web Framwork such as Angular/Node/React and much more
    We would provide on-the-job training and make you industry-ready and this internship would be for 6 Months


    Minimum Qualification

    BE/BTech or a Vocational/Technical graduate degree from a reputed college
    Freshers passed Out From college (Upward 2022 Batch).
    However, exceptions are welcome
    It is good to know JAVASCRIPT/HTML/SEO/CSS/Server Side Rendering With JS Framework Such Zurb Foundation Or Twitter Bootstrap
    Problem-Solving Skills
    Adaptability to the startup environment
    This is not a paid position and no stipend/expenses would be provided


    Work Location
    Remote / Hybrid
    Full-Time

  • Looking for Interns who have just passed out from College
    What we would offer is exposure to the latest technologies such as Native Android/iOS and Hybrid App Development
    We would provide on-the-job training and make you industry-ready and this internship would be for 6 Months


    Minimum Qualification

    BE/BTech or a Vocational/Technical graduate degree from a reputed college
    Freshers passed Out From college (Upward 2022 Batch).
    However, exceptions are welcome
    It is good to know Android/iOS Framework Apache Cordova/React Native and Java
    Problem-Solving Skills
    Adaptability to the startup environment
    This is not a paid position and no stipend/expenses would be provided


    Work Location
    Remote / Hybrid
    Full-Time

  • Looking for a Business Development Executive with experience between 1-3 yrs
    Good communication and interpersonal skills
    Preference from the banking domain
    90% field work/10% office
    Generate leads/Meet Sales target
    Best in-class pay with
    Generate leads/Meet Sales target


    Minimum Qualification
    BA/BCOM/BBA/MBA Full time
    Freshers passed Out From college (Upward 2022 Batch)
    Proficient with computers/software/ERP/CRM-based
    system
    Adaptability to the startup environment


    Work Location
    Remote / Hybrid
    Full-Time

Fullfill Your Aspiration