Personal Loans Made Simple.
Across India.
Get approved for ₹50,000 – ₹40 Lakh in 24 hours. Interest rates starting at 10.25% p.a. Compare 60+ lenders. 100% online. No branch visit needed.
from 2,400+ verified reviews
Loans Sanctioned
Crore Disbursed
Happy Customers
Partner Banks
Our Partner Banks & NBFCs
Credit Products
Everything You Need, One Platform
Compare offers from 60+ banks & NBFCs across all major credit products — and get the best deal for your profile.
Personal Loan
From 10.25% p.a.Avail best offers with interest rates starting @ 10.25% per annum. Minimal docs, 24-hr disbursal.
Check eligibilityHome Loan
From 8.40% p.a.Finance your dream home with the lowest rates from 60+ lenders. Up to ₹10 Crore, tenure up to 30 years.
Check eligibilityBusiness Loan
From 10% p.a.Fuel your business ambitions with dynamic business loans @ 10% ROI per annum.
Check eligibilityCar Loan
Hit the road in style with OpenCredit's seamless car loans — driving your aspirations forward.
Check eligibilityMortgage Loan
Avail best offers curated just for you from a wide choice of Banks & NBFCs.
Check eligibilityEducation Loan
Avail best offers curated just for you from a wide choice of Banks & NBFCs.
Check eligibilityCIBIL Correction
Expert ServiceFix inaccurate entries on your credit report with expert dispute handling. Score improvement in 30–90 days.
Fix my scoreAll loans subject to credit approval · Rates vary by lender · OpenCredit is a loan marketplace/DSA registered with RBI partner banks/NBFCs
Our Products
Finding the right loan can be overwhelming. We make it simple.
From 10.25% p.a.Personal Loan
Instant funds for any need — medical, travel, wedding, or renovation. 100% online, no collateral, approval in 24 hours.
From 8.40% p.a.Home Loan
Finance your dream home with the lowest available rates from 60+ lenders. Up to ₹10 Crore, tenure up to 30 years.
From 10% p.a.Business Loan
Fuel your business ambitions with working capital, equipment finance, or expansion loans from 60+ lenders.
Apply NowCar Loan
New and used car loans at the best rates — doorstep documentation, fast approval, and up to 100% on-road funding.
Coming SoonMortgage Loan
Unlock the value of your property with a Loan Against Property — up to 70% LTV, all property types accepted.
Apply NowEducation Loan
Fund your higher education in India or abroad. Collateral-free options, moratorium during course, Section 80E tax benefit.
Compare NowCredit Cards
Compare India's best credit cards — cashback, travel rewards, lounge access, and zero annual fee options.
30–90 Day ResultsCIBIL Correction
Fix inaccurate entries on your credit report. Expert dispute handling to boost your score in 30–90 days.
01 — Why OpenCredit
With Us you will get the best loan experience possible
Say goodbye to lengthy paperwork and endless waiting. OpenCredit offers a streamlined application process that puts you in control. Our user-friendly online platform ensures that applying for a personal loan is quick, easy, and stress-free.
4.8 / 5
Avg. rating
Subject to credit approval · Rates 10.25%–36% p.a.
02 — Why OpenCredit
No hidden fees. Quick Approvals & Disbursements
We have more than 60 partner financial institutions registered. So with a single apply — you can receive up to 10 pre-approved credit offers within 5 minutes. After the application is approved, the money is deposited in the account within 24 hours.
4.8 / 5
Avg. rating
Subject to credit approval · Rates 10.25%–36% p.a.
Get Started in Three
Simple Steps
No setup headaches. OpenCredit makes it easy to apply, track and manage your loan — all online.
Create Your Free Account
Sign up in less than a minute — no credit card required. Just enter your email and you're in.
Fill Your Loan Application
Complete our smart 5-step form with personal, employment, and loan details. Save progress anytime.
Track Everything From Your Dashboard
Stay in control with real-time updates on approvals, disbursement status and EMI schedules — all from one place.
Trusted by thousands of
happy customers.
Our commitment to transparent, fast, and reliable financial services is reflected in our leading regional Google rating.
jai Guru jai
I needed my CIBIL report fast, and Open Credit delivered! Simple steps, clear information. Thank you, Open Credit!
Anil Anil
Open Credit exceeded my expectations with their CIBIL report service. Easy to use, quick delivery, and it provided valuable insights.
manju bmoti
Friendly staff and excellent service. I strongly recommend everyone to get loans from here.
Mahesh Giri
My Cibil Score was low and for some reason some negative account was there in my cibil which I was not knowing and I was not getting loans from any of the banks and then i contacted with Madhu sir from Sulekha. Actually he suggested me to go for Open credit and they helped me to clear all the negative accounts from my cibil. Now I am having very good score. Thanks to all the team members of Open Credit.
Sharath
They provide loans based on salary with reasonable rate of interest
PRK
Thankh you so much for giving loan for me..before going here I went so many places to take loan and spent charges arround 20k that too we i didnt got loan anywhere but when I meat madhu sir just an half an hour I got loan around 2 lakh.. very transparent and quick service.
Manjunatha H.B
Open Credit's CIBIL report service is user-friendly. I got my report in no time, and it's been a game-changer for my financial decisions. Excellent job!
Hemanth Kumar
Given me good advice for my existing financial crisis.
jai Guru jai
I needed my CIBIL report fast, and Open Credit delivered! Simple steps, clear information. Thank you, Open Credit!
Anil Anil
Open Credit exceeded my expectations with their CIBIL report service. Easy to use, quick delivery, and it provided valuable insights.
manju bmoti
Friendly staff and excellent service. I strongly recommend everyone to get loans from here.
Mahesh Giri
My Cibil Score was low and for some reason some negative account was there in my cibil which I was not knowing and I was not getting loans from any of the banks and then i contacted with Madhu sir from Sulekha. Actually he suggested me to go for Open credit and they helped me to clear all the negative accounts from my cibil. Now I am having very good score. Thanks to all the team members of Open Credit.
Sharath
They provide loans based on salary with reasonable rate of interest
PRK
Thankh you so much for giving loan for me..before going here I went so many places to take loan and spent charges arround 20k that too we i didnt got loan anywhere but when I meat madhu sir just an half an hour I got loan around 2 lakh.. very transparent and quick service.
Manjunatha H.B
Open Credit's CIBIL report service is user-friendly. I got my report in no time, and it's been a game-changer for my financial decisions. Excellent job!
Hemanth Kumar
Given me good advice for my existing financial crisis.
shubha patil
Open credit is one of the best loans service provider ever i seen. They guide us very well about our CIBIL score and how to improve it properly. Excellent staff behavior . Good going Open Credit
Vijay AHP
Open credit Good loan services thanks to madhu sir
Mohammed Yaseen
Give the good option and how can we use the banks Credit score and good explanation How to increase the credit limit ... thanks sir
Soundarya CS
Very good response and good service
Mahesh M
Good service
Nagendra K J
Best service for credit correction
Srinivasa N
Excellent guidance for financial problems
shubha patil
Open credit is one of the best loans service provider ever i seen. They guide us very well about our CIBIL score and how to improve it properly. Excellent staff behavior . Good going Open Credit
Vijay AHP
Open credit Good loan services thanks to madhu sir
Mohammed Yaseen
Give the good option and how can we use the banks Credit score and good explanation How to increase the credit limit ... thanks sir
Soundarya CS
Very good response and good service
Mahesh M
Good service
Nagendra K J
Best service for credit correction
Srinivasa N
Excellent guidance for financial problems
Frequently Asked Questions
Everything you need to know about personal loans, CIBIL correction, and using OpenCredit.
Still have questions?
We're here to help
Most of our partner lenders require a minimum CIBIL score of 650. However, some NBFCs offer loans for scores as low as 600, albeit at higher interest rates. If your score is below 600, we recommend our CIBIL Correction service to improve your creditworthiness first.
Once you submit a complete application with all required documents, our partner lenders typically process approvals within 24–72 hours. Some digital lenders may approve within a few hours. Fund disbursement usually happens within 1–2 business days after approval.
You'll need: PAN Card, Aadhaar Card, last 3 months' salary slips (for salaried individuals), last 6 months' bank statements, and a passport-size photograph. Self-employed individuals need ITR for the last 2 years instead of salary slips.
Interest rates range from 10.25% p.a. to 36% p.a., depending on your credit profile, income, employment type, and the lending partner. Salaried individuals with a CIBIL score above 750 typically get the best rates. Use our EMI Calculator to estimate your monthly payments.
No. OpenCredit is a loan marketplace and DSA (Direct Selling Agent). We do not lend money directly. We connect borrowers with the best-fit lenders from our network of 25+ RBI-registered partner banks and NBFCs. This means you get competitive offers tailored to your profile.
Yes, most personal loans from our partner lenders allow prepayment or foreclosure after a lock-in period (usually 6–12 months). Prepayment charges, if applicable, range from 2–5% of the outstanding principal. RBI guidelines prohibit foreclosure charges on floating-rate loans.
Our expert team reviews your credit report, identifies errors (incorrect account details, duplicate entries, wrongly reported defaults), and files formal disputes with the credit bureaus on your behalf. The process typically takes 30–60 days, and most clients see a score improvement of 50–150 points.
Absolutely. We use bank-grade 256-bit SSL encryption for all data transmissions. Your documents are stored securely in encrypted cloud storage. We only share your information with our partner lenders for loan processing, as outlined in our Privacy Policy. We are fully DPDP Act compliant.
Why Trust Us
Why 4,200+ Customers Trust Us
We're committed to transparency, security, and delivering real financial value.
RBI Compliant
All partner banks/NBFCs registered with Reserve Bank of India
Bank-Level Security
256-bit SSL encryption protects your personal data
4,200+ Customers
Trusted by thousands of Bangalore residents since 2020
24-Hour Processing
Fast-track approvals for eligible applicants
25+ Bank Partners
Best rate matching across our NBFC and bank network
Transparent Pricing
No hidden charges. All fees disclosed upfront
Important Rate & Compliance Disclosure
Interest Rates
Personal loans: 10.25% to 36% per annum. Subject to credit assessment by individual lenders.
Loan Amount
₹50,000 to ₹40,00,000. Actual amount subject to income, CIBIL score, and lender policy.
Repayment
12 to 60 months. Representative example: ₹5L at 14% for 36 months = ₹17,090 EMI/month.