OneScore: Credit Score Insight

Instant personal loan app, credit-score & more!

OneScore is a credit score management and instant personal loan platform trusted by over 4 Crore Indians. Whether you need money for short term personal expenses, a long vacation, or to cover medical expenses, you can get an instant loan for any cash emergency with OnePL.

- Instant Loan Disbursal
- Easy Application
- No Collateral requirement
- Zero Documentation
- Flexible EMI options

How to avail of the best instant loan offer on OneScore
Build your credit worth by regularly tracking your credit score, & look out for the personalised best loan offer. Depending on your credit score, & other factors, you will receive instant approval for a personal loan through our app.

What’s more!
You can also use the EMI calculator within the app to plan your online loan EMIs & choose from the flexible repayment options.
Set up payment reminders so you never miss an EMI.

Eligibility Criteria for best online loan offer with OnePL
A credit score of 730 & above
Stable employment with monthly salary of >₹20,000
Aadhaar and PAN card holder

OnePL features:
• Lending partners: Federal Bank, South Indian Bank, Kisetsu Saison Finance India (KSF)
• Loan Amount: Up to Rs. 5 Lakh
• Loan tenure: Minimum 6 months, maximum 48 Months
• Interest Rates: 12.5%-18.5% (for Federal bank), 15.9%-16.8% (For SIB), 14% - 30% (For KSF)
• Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB, 2%-3% for KSF
• APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB), 20% - 32% (For KSF)

Let's understand this with an example, assuming a personal loan of Rs. 50,000 with a 13% interest rate & a repayment tenure of 1 year. Here’s how your online loan disbursal amount would be calculated:

• Loan Amount - ₹50,000
• Tenure - 12 months
• Interest Rate - 13%
• EMI - ₹4,466
• Total Interest Payable - ₹4,466 x 12 months - ₹50,000 Principal = ₹ 3592
• Processing Fees (incl. GST) - ₹1179
• Disbursed Amount - ₹50,000 - ₹1,179 = ₹48,821
• Total Amount Payable - Principal + Interest + Processing Fees = ₹54,771
• Total Cost of the Loan = Interest Amount + Processing Fees = ₹3592 + ₹1179 = ₹4,771

*In case the loan is disbursed on or after the 6th of the month and your EMIs fall on the 5th of the month, there’s a gap of 29 days between your loan disbursal date & the first EMI. The interest rate charged for this period is called Broken Period Interest.

Why download OneScore?

Get instant loans up to Rs 5 lakh with zero documentat