Home Credit : Instant Loan App

Lending services for existing HCIN Customers | Easy Process | 100% paperless

Use the HCIN app to get a loan up to ₹4,80,000 in just a few minutes with minimal documentation. Our Annual Interest rates are as low as 19.5%* & you can choose from a flexible repayment tenure of 6 to 48 months at a low processing fee ranging from 0% to 5%*.
*The annual interest rates will vary as per the risk profile of the customers.

🫴 What We Offer:
1. We offer personal loans to existing HCIN customers who are salaried or self-employed individuals with flexible repayment terms of 6 to 48 months for a loan amount of up to ₹4,80,000. With 100% online process, you can get cash loan up to ₹4.8 Lakhs with just 2 documents.
2. Be it business expense, or any other emergency cost, our super-flexible micro loans can be your savior. You can apply for our Flexible Loan with instant approval to get access to funds of up to ₹1,00,000. It allows you for a small loan and pay interest on only the amount you use.
We have a flat annual interest rate of 39% on our Flexible Loan & you can make repayments anytime during the flexi limit period of up to 36 months.

📋 Fees & Charges:
✅ Joining Fee: Zero
✅ Annual Renewal Fee: 2% of allotted credit limit
✅ Transaction Fee: 2.5% on each withdrawal amount

✨ Exciting Deals
✅ Get amazing deals on electronics, appliances & more at nearby partner shops.

HCIN is a one-stop solution to all your financial needs from the convenience of your phone. Our app assists you to get easy access to money in emergencies and cover all your expenses with ease.

📋 Who Can Avail?
Our simple and easy eligibility criteria help existing HCIN customers to apply for a quick & easy small loan.
✔ Age: 18 to 60 years
✔ Nationality: Should be an Indian citizen.
✔ Income source: Should be a salaried, pensioner, or self-employed individual.
✔ Bank account status: Active
✔ Relationship with HCIN: Existing Customers only

📋 How to Apply for Loan?
👉 Download the HCIN App
👉 Register with your mobile number.
👉 Complete Loan Application
👉 Fill in your required personal details and complete your application.
👉 Enjoy Instant Approval
👉 Enjoy hassle-free approval & quick funds disbursal within a few hours!

✨ Why Choose HCIN?
✔ Trusted by over 1.8 Crore+ happy customers
✔ More than 53,000+ Partner Shops
✔ Presence across India in 600+ Cities

✨ Representative Example:
For Flexible Loan limit of ₹50,000 and a withdrawal amount of ₹10,000 for 1 month, a user would pay:
• Joining fees: ₹0
• Transaction Fee: ₹250 (2.5% of withdrawal amount ₹