Get ₹4,000–₹40,000 for your short-term needs.
Simple, digital short-term credit for salaried professionals — Pocket Loan by EASYCRED.
You need a monthly salary of ₹20,000 or more.
- CIBIL 510+
- 16–46 days
100% Digital Application · Secure Process · Lending Partner Assessment
Apply for a Pocket Loan
- Loan amount
- ₹4,000–₹40,000
- Repayment period
- 16–46 days
The amount and repayment period are set with TrueFund, our lending partner, later in the application.
No fee to check. Checking here does not affect your credit score.
Eligibility, loan amount, interest rate, tenure and approval are subject to the applicable lending partner's assessment, terms and conditions.
The range Pocket Loan covers. The lending partner sets your amount within it.
Short by design. The repayment period is set with the lending partner after your eligibility check.
Mobile verification, details, KYC and e-signature all happen online.
WHO CAN APPLY
The six things that decide your eligibility.
Meeting all six means you can apply. The lending partner still makes the final call.
Salaried professionals
Pocket Loan is built for people on a monthly salary. Self-employed profiles are not covered.
₹20,000+ monthly salary
Your in-hand monthly salary needs to be at least ₹20,000.
Age 21–60
You need to be between 21 and 60 years old on the date you apply.
CIBIL 510+
A credit score of 510 or above is one of the criteria the lending partner assesses.
Bank-credited salary preferred
Salary credited into a bank account is preferred, as it can be verified digitally.
Eligible locations across India
Serviceable locations are confirmed by the lending partner when you apply.
HOW IT WORKS
Four steps, start to finish.
Check eligibility
Tell us your monthly salary and a few basics, and verify your mobile number.
Verify & apply
Share a few details and complete verification. The whole application stays online.
Get your TrueFund offer
If TrueFund makes an offer, you see the amount, tenure, interest, fees and total payable before you accept anything.
Money in your account
Accept the offer, finish KYC and e-signature, and disbursal is processed to your bank account.
GOVERNMENT RECOGNIZED STARTUP
Officially Recognized by DPIIT
EASYCRED is proud to be officially recognized as a startup by the Department for Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce & Industry, Government of India. This recognition validates our commitment to building innovative credit technologies, driving digital financial inclusion, and maintaining robust compliance standards.
- Verified InnovationOur proprietary matching and scoring algorithms are designed for next-generation credit delivery.
- Trusted OperationsBuilt upon India's robust digital public infrastructure (DPI) to ensure high reliability.
- Compliance FirstAdhering to strict data privacy guidelines and RBI-regulated co-lending compliance.
Govt. of India RecognizedStartup India Initiative
WHAT IT COSTS
A worked example, end to end.
Every charge on a Pocket Loan is shown to you before you accept — interest, processing fee, GST and the single total you repay. Here is how that adds up on a ₹10,000 loan over 30 days.
Illustrative example — not an offer
| Loan amount | ₹10,000 |
|---|---|
| Tenure | 30 days |
| Interest rate | 36% p.a. |
| Interest for the period | ₹296 |
| Processing fee | ₹500 |
| GST on processing fee | ₹90 |
| Total amount payable | ₹10,886 |
Figures are illustrative and rounded. Your actual rate, fees and total payable depend on the lending partner's assessment and are set out in your Key Fact Statement before you accept.
LENDING PARTNER
Pocket Loan is lent by TrueFund.
EASYCRED is a loan facilitation platform. We take your application, run the eligibility checks and place it with TrueFund, our lending partner for short-term credit. TrueFund decides the offer, and the loan agreement, the Key Fact Statement and the repayment terms are between you and TrueFund.
Because the offer is theirs, we do not advertise a headline rate. The only rate shown on this page is the illustrative example above; your actual rate is set by TrueFund. You see the exact amount, tenure, interest, fees and total payable on your offer screen — and only then do you decide.
QUESTIONS
Answers before you apply.
Who can apply for a Pocket Loan?
Pocket Loan is for salaried professionals aged 21 to 60 with a monthly salary of ₹20,000 or more and a CIBIL score of 510 or above. Salary credited to a bank account is preferred. Meeting these criteria lets you apply — approval is decided by the lending partner.
How much can I borrow?
Pocket Loan runs from ₹4,000 to ₹40,000. You state the amount you want with TrueFund after your eligibility check; what you are finally offered depends on their assessment of your profile.
How long do I get to repay?
Pocket Loan runs for 16 to 46 days. The repayment period is set with TrueFund after your eligibility check, and the final tenure is confirmed before you accept.
What does a Pocket Loan cost?
You see the full breakdown — interest, processing fee, GST and total amount payable — on the offer screen and in the Key Fact Statement, before you accept anything. Rates and fees are set by the lending partner and depend on your profile. The example on this page is illustrative only.
Does checking my eligibility affect my CIBIL score?
Checking your eligibility on this page does not affect your credit score. A lending partner may run a credit check once you submit a full application; that check follows the partner's own process and their disclosures apply.
How soon does the money reach me?
Once the lending partner approves your application and you complete KYC, e-mandate and e-signature, disbursal is processed digitally to your bank account. Timelines depend on the lending partner and your bank.
How do I repay?
Your repayment date, amount and collection mode are set out in the Key Fact Statement and loan agreement that you review before accepting the offer. Read them before you accept.
Who actually lends the money?
EASYCRED is a loan facilitation platform and does not lend on its own account. Pocket Loan applications are placed with our lending partner TrueFund. The loan agreement is between you and the lending partner.
See where you stand in under a minute.
Verify your mobile number, share a few basics, and we will tell you what your options are. No fee, no obligation.
100% Digital Application · Secure Process · Lending Partner Assessment
Important information
- Eligibility, loan amount, interest rate, tenure and approval are subject to the applicable lending partner's assessment, terms and conditions.
- EASYCRED is a digital loan facilitation platform and does not lend on its own account. Pocket Loan is offered by our lending partner, whose terms govern the loan.
- The representative example on this page is illustrative and is not an offer. Your actual interest, fees and total amount payable are shown on the offer screen and in the Key Fact Statement before you accept.
- Checking your eligibility carries no obligation and no fee. EASYCRED never asks for a payment to process a loan application.
- Borrow only what you can repay. Missing a repayment can affect your credit score and attract charges levied by the lending partner.