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EASYCRED Financial Guide

Discover our comprehensive range of financial solutions designed to meet your unique needs with competitive rates and quick approvals

Most Popular

Digital Personal Loan

Instant Funds for Your Needs

EasyCred's Digital Personal Loan is designed for today's fast-paced lifestyle. Get instant approval and quick disbursal for all your personal financial needs without any collateral or lengthy paperwork.

30 Seconds
Average Approval Time
Interest Rate: 1.6% - 2.5% per month

Key Features & Benefits

  • Instant Approval: Get loan approval in just 30 seconds
  • 100% Digital Process: Complete application via mobile app
  • Minimal Documentation: Basic KYC documents only
  • Flexible Amount: Borrow from ₹20,000 to ₹5,00,000
  • Flexible Tenure: Repayment from 3 to 60 months
  • Competitive Rates: Interest from 1.6% per month

Common Use Cases

Medical Emergencies

Cover unexpected medical expenses without financial stress

Debt Consolidation

Combine multiple debts into one manageable payment

Home Renovation

Fund home improvement projects without draining savings

Travel & Vacation

Finance your dream vacation or family trips

Application Process

Register

Download app & complete registration

Apply

Submit basic details & documents

Get Approved

Receive approval in 30 seconds

Receive Funds

Amount disbursed to your account

Eligibility Criteria

Parameter Requirement Documents Needed
Age 21 - 60 years PAN Card, Aadhaar Card
Income Minimum ₹15,000 per month Salary slips (3 months)
Employment At least 1 year in current job Employment certificate
Credit Score 650 or above Not required - we check electronically
Apply Now

Frequently Asked Questions

What is the maximum loan amount I can get?
You can borrow up to ₹5,00,000 with our digital personal loan, depending on your income, credit score, and repayment capacity. The exact amount will be determined during the application process.
How quickly will I receive the funds after approval?
Once your loan is approved and you accept the offer, funds are typically transferred to your bank account within 2-4 hours during business days. In some cases, it may take up to 24 hours.
Can I prepay my loan without penalties?
Yes, EASYCRED allows prepayment of your personal loan without any penalties after 6 EMI payments have been made. This helps you save on interest costs if you have surplus funds.
Safe Investment

Digital Gold Investment

Modern Gold Investment for the Digital Age

EasyCred's Digital Gold platform, in partnership with MMTC-PAMP, offers a revolutionary way to invest in gold. Buy, sell, and store 24-karat gold digitally with complete security and transparency.

99.5%
Purity Guaranteed

Why Invest in Digital Gold?

  • Secure Storage: Gold stored in insured vaults with 24/7 monitoring
  • Fractional Ownership: Buy gold for as little as ₹100
  • No Making Charges: Save 8-15% compared to physical jewelry
  • Purity Guarantee: 99.5% pure 24-karat gold certified by MMTC-PAMP
  • Instant Liquidity: Buy or sell gold anytime at live market prices
  • Physical Delivery: Option to take physical delivery anytime

How Digital Gold Compares to Physical Gold

Feature Digital Gold Physical Gold
Making Charges 0% 8-15% for jewelry
Storage Secure vaults (insured) Home (risk of theft/loss)
Purity 99.5% guaranteed Varies by product
Minimum Investment ₹100 ₹5,000+
Liquidity Instant buy/sell Time-consuming to sell

Investment Strategies

Conservative Strategy

5-10% of portfolio

For risk-averse investors

  • Regular small investments
  • Long-term holding
Balanced Strategy

10-15% of portfolio

For moderate risk tolerance

  • Systematic investment plan
  • Partial profit booking
Aggressive Strategy

15-20% of portfolio

For market-savvy investors

  • Timing market cycles
  • Active trading
Start Investing

Digital Gold FAQs

Is my digital gold investment safe?
Yes, your digital gold is stored in secure, insured vaults and each gram is backed by physical gold. MMTC-PAMP is a government-approved refiner, ensuring the highest standards of security and purity.
Can I take physical delivery of my digital gold?
Yes, you can convert your digital gold to physical gold in the form of coins or bars. A nominal making charge and delivery fee will apply for physical delivery.
Best Rates

Car Loan

Drive Your Dream Car Today

Whether you're buying your first car or upgrading to a better model, EASYCRED car loans make vehicle ownership affordable and accessible. With competitive interest rates and flexible repayment options, you can drive home your dream car sooner than you think.

8.5%
Interest Rate Starting From

Types of Car Loans Available

New Car Loan

Up to 90% Funding

For brand new vehicles

  • Tenure: 1-7 years
  • Interest: 8.5% onwards
Used Car Loan

Up to 80% Funding

For pre-owned vehicles

  • Tenure: 1-5 years
  • Interest: 9.5% onwards
Refinance Car Loan

Up to 85% Funding

Lower your existing EMI

  • Tenure: 1-5 years
  • Interest: 9% onwards

Car Loan Eligibility

Parameter Salaried Individuals Self-Employed
Age 21 - 60 years 21 - 65 years
Income Minimum ₹20,000/month Minimum ₹2,50,000/year
Employment 2+ years total 3+ years in business
Credit Score 600+ preferred 650+ preferred

Required Documents

For Salaried Individuals
  • PAN Card & Aadhaar Card
  • Salary slips (last 3 months)
  • Bank statements (last 6 months)
For Self-Employed
  • PAN Card & Aadhaar Card
  • Business proof & ITR (last 2 years)
  • Bank statements (last 1 year)
Apply for Car Loan

Car Loan FAQs

What is the maximum loan amount for a car loan?
The maximum loan amount depends on the car's value and your repayment capacity. For new cars, we finance up to 90% of the ex-showroom price. For used cars, we finance up to 80% of the car's value.
Can I get a car loan for a used car?
Yes, we provide loans for used cars up to 5 years old. The loan amount, interest rate, and tenure may vary based on the car's age, condition, and model.
Future Investment

Education Loan

Invest in Your Future with Education Financing

EasyCred's Education Loans help you achieve your academic dreams without financial constraints. We provide comprehensive funding for domestic and international education at competitive interest rates with flexible repayment options.

7.00%
Interest Rate Starting From

Education Loan Features

  • Wide Course Coverage: UG, PG, PhD, and vocational courses
  • Domestic & International: Study in India or abroad
  • Complete Coverage: Tuition, accommodation, books & more
  • Moratorium Period: Repayment starts after course completion
  • Tax Benefits: Interest paid is tax-deductible under Section 80E
  • No Prepayment Penalty: Repay early without extra charges

Loan Amount & Tenure

Domestic Education

Up to ₹20 Lakhs

For studies within India

  • Tenure: Up to 15 years
  • Interest: 7.00% onwards
Abroad Education

Up to ₹1 Crore

For international studies

  • Tenure: Up to 15 years
  • Interest: 7.00% onwards

Eligibility Criteria

Parameter Student Co-applicant
Age 16 - 35 years 21 - 65 years
Admission Confirmed admission in recognized institution Not applicable
Academic Record Minimum 50% in previous qualification Not applicable
Income Not required Minimum ₹25,000/month
Apply for Education Loan

Education Loan FAQs

When does the repayment of education loan begin?
Repayment typically begins after the course completion period plus an additional 6-12 months (moratorium period). During the moratorium period, you only need to pay the interest component.
Is collateral required for education loans?
For loans up to ₹7.5 lakhs, no collateral is typically required. For higher amounts, collateral may be required depending on the loan amount and the co-applicant's financial profile.
Growth Catalyst

Business Loan

Fuel Your Business Growth

EasyCred's Business Loans provide the financial support your enterprise needs to expand, modernize, or overcome temporary cash flow challenges. With quick approvals and minimal documentation, we help your business reach new heights.

10.5%
Interest Rate Starting From

Business Loan Benefits

  • Quick Disbursal: Funds transferred within 72 hours of approval
  • Minimal Documentation: Basic business and KYC documents
  • No Collateral: Unsecured loans for established businesses
  • Flexible Tenure: Repayment from 12 to 60 months
  • Competitive Rates: Interest starting from 10.5% per annum
  • Top-up Facility: Additional funds for existing customers

Business Loan Types

Working Capital

Up to ₹50 Lakhs

For daily operational expenses

  • Tenure: 12-36 months
  • Interest: 11% onwards
Expansion Loan

Up to ₹2 Crores

For business growth & expansion

  • Tenure: 12-60 months
  • Interest: 11% onwards
Equipment Finance

Up to ₹10+ Crore

For machinery & equipment purchase

  • Tenure: 12-48 months
  • Interest: 11% onwards

Eligibility Criteria

Parameter Proprietorship/Partnership Private Limited Company
Business Vintage Minimum 3 years Minimum 2 years
Annual Turnover Minimum ₹20 Lakhs Minimum ₹50 Lakhs
Profitability Profitable for last 2 years Profitable for last 2 years
ITR Filing Last 2 years required Last 2 years required
Apply for Business Loan

Business Loan FAQs

How quickly can I get a business loan?
For established businesses with good financials, we can disburse loans within 72 hours of application. The exact timeline depends on document verification and business assessment.
Is collateral required for business loans?
For loans up to ₹50 lakhs, collateral is typically not required for businesses with strong financials. For higher amounts, collateral may be required based on risk assessment.
Cash Flow Solution

Working Capital Finance

Keep Your Business Running Smoothly

EasyCred's Working Capital solutions ensure your business never faces cash flow constraints. From overdraft facilities to invoice financing, we provide flexible options to manage your day-to-day operational expenses efficiently.

11%
Interest Rate Starting From

Working Capital Options

Overdraft Facility

Up to ₹1 Crore

Flexible borrowing limit

  • Interest on utilized amount only
  • Renewable annually
Invoice Financing

Up to 80% of invoice value

Against unpaid invoices

  • Quick funds against receivables
  • Improves cash flow cycle
Inventory Funding

Up to ₹2 Crores

For stock procurement

  • Seasonal inventory support
  • Flexible repayment

Benefits of Working Capital Finance

  • Improved Cash Flow: Bridge gaps between payables and receivables
  • Quick Access to Funds: Meet urgent business requirements promptly
  • Business Growth: Seize opportunities without cash constraints
  • Operational Efficiency: Smooth day-to-day operations
  • Cost Effective: Competitive interest rates
  • No Ownership Dilution: Maintain complete control of your business

Eligibility & Documents

Eligibility Criteria
  • Business vintage: Minimum 3 years
  • Annual turnover: Minimum ₹50 lakhs
  • Profitability: Last 2 years profitable
Required Documents
  • KYC documents of promoters
  • Business registration proof
  • Financial statements (last 2 years)
Apply for Working Capital

Working Capital FAQs

What is the difference between working capital loan and term loan?
Working capital loans are for short-term operational needs and typically have flexible repayment terms, while term loans are for long-term investments like equipment purchase or expansion and have fixed repayment schedules.
Can I get working capital finance for a seasonal business?
Yes, we offer customized working capital solutions for seasonal businesses with flexible repayment options that align with your business cycles and cash flow patterns.
Dream Home

Home Loan

Your Dream Home Awaits

EasyCred's Home Loans make homeownership accessible and affordable. Whether you're buying your first home, constructing a new house, or renovating your existing property, we offer competitive rates and flexible repayment options.

8.25%
Interest Rate Starting From

Home Loan Options

Purchase Loan

Up to 90% of property value

For buying ready properties

  • Tenure: Up to 30 years
  • Interest: 8.25% onwards
Construction Loan

Up to 80% of construction cost

For building new house

  • Tenure: Up to 30 years
  • Interest: 8.6% onwards
Home Improvement

Up to ₹99 Lakhs

For renovation & repairs

  • Tenure: Up to 15 years
  • Interest: 9% onwards

Key Benefits

  • Competitive Interest Rates: Starting from 8.25% per annum
  • Long Tenure: Repayment up to 30 years
  • Balance Transfer: Switch your existing home loan to save interest
  • Tax Benefits: Up to ₹1.5 lakhs under Section 80C & Section 24
  • Joint Application: Apply with spouse or family members
  • Top-up Loan: Additional funds for existing customers

Eligibility Criteria

Parameter Salaried Individuals Self-Employed
Age 23 - 62 years 25 - 65 years
Income Minimum ₹25,000/month Minimum ₹3,00,000/year
Employment/Business 2+ years employment 3+ years in business
Credit Score 650+ preferred
Apply for Home Loan

Home Loan FAQs

What is the maximum loan amount for a home loan?
The maximum loan amount depends on your income, property value, and other eligibility factors. Typically, we finance up to 90% of the property value for salaried individuals and up to 80% for self-employed applicants.
How long does it take to get a home loan approved?
For complete applications with all required documents, we typically provide in-principle approval within 2-3 working days. The entire process from application to disbursal usually takes 10-15 working days.
Can I prepay my home loan without penalties?
Yes, as per RBI guidelines, you can prepay your home loan without any prepayment charges. This helps you save on interest costs if you have surplus funds available.