Unsecured Personal Loan
up to ₹40 Lakhs
Minimal documentation. Completely digital. Lowest rate of interest from 10.25% p.a. with disbursement in just 24 hours.
Subject to credit assessment · Rates 10.25%–36% p.a. · Tenure 12–60 months
Free · No credit impact · Advisor calls within 15 min
The Smarter Way to Borrow
We have more than 60 partner financial institutions registered. Compare, choose, and get the best deal — all in one place.
10 Offers in 5 Minutes
With 60+ partner institutions, receive up to 10 pre-approved credit offers almost instantly after applying.
Zero Hidden Fees
Complete transparency — no surprise charges. The EMI you calculate is exactly what you pay. No processing surprises.
24-Hour Disbursement
Money deposited to your account within 24 hours of approval. No delays, no waiting at counters.
No Collateral Needed
100% unsecured loan. No property, gold, or guarantor required. Approval based purely on creditworthiness.
Best Rate Matching
We match you with lenders offering the lowest rates for your profile — salaried, self-employed, or business owner.
Dedicated Support
A dedicated loan advisor guides you from application to disbursement, answering every question along the way.
Our Partner Banks & NBFCs
Check Your Eligibility
3 quick steps · No credit score impact · Free
What's your employment type?
This helps us find lenders best suited to your profile.
Get Your Loan in 5 Easy Steps
From application to disbursement — the entire journey is digital and takes under 10 minutes.
Select Amount & Tenure
Choose your required loan amount (₹50K–₹40L) and repayment period (12–60 months) using our smart calculator.
Fill Your Information
Provide personal, employment, and income details. Completely digital — no branch visit needed.
Review Offers
Get up to 10 pre-approved offers from our 60+ partner lenders within minutes. Compare rates & terms.
Confirm & Submit
Choose your preferred lender, upload documents digitally, and submit your application with one click.
Receive Funds
Approved amount is disbursed directly to your bank account within 24 hours of final approval.
What Can You Use It For?
Personal loans are flexible — use them for any legitimate financial need. Here are the most popular uses.
Home Renovation
Upgrade your kitchen, add a floor, or give your home a complete makeover — fund it all with a personal loan at low EMIs.
Are You Eligible?
Check if you meet the basic criteria. Most applicants with a stable income and decent credit score qualify.
Eligibility Criteria
Minimum requirements to apply
Pro tip: A CIBIL score of 750+ gets you the best rates. Even 650+ qualifies you with many of our 60+ partner lenders.
Documents Required
Keep these ready before applying
- PAN Card
- Aadhaar Card / Voter ID
- Last 3 months salary slips
- 6 months bank statement
- Latest ITR (self-employed)
- Passport-size photograph
Upload digitally — no physical submission. Max 5MB per file (PDF, JPG, PNG).
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
Common Questions
Everything you need to know about personal loans through OpenCredit. Can't find your answer? Talk to us.
4,200+
Questions answered
<15 min
Avg. response time
Still have questions?
Our loan advisors are available Mon–Sat, 9AM to 6PM.
Interest rates range from 10.25% to 36% per annum depending on your credit score, income, and lender. Higher CIBIL scores (750+) typically qualify for the best rates.
Most applications receive a decision within 24–72 hours. Some lenders offer instant approval for pre-qualified customers. Disbursement after approval takes 1–3 business days.
Yes! We have partner lenders who specifically cater to self-employed individuals and business owners. Typically ITR for 2 years and 12-month bank statements are required.
A minimum CIBIL score of 650 is generally required. Scores of 750+ get the best interest rates. If your score is low, check our CIBIL Correction service first.
Prepayment policies vary by lender. Many partners allow foreclosure after 12 EMIs with 1–4% charge. Zero-charge prepayment options are available with select partners.
No. Personal loans through OpenCredit are 100% unsecured — no property, gold, or guarantor required. Approval is purely based on your creditworthiness.
Depending on your profile you can receive up to 10 pre-approved offers from our 60+ partner banks and NBFCs. You choose the best rate and terms for your needs.
All answers are general guidance only. Actual terms, rates, and eligibility may vary based on the specific lender's policies. OpenCredit is a loan marketplace (DSA), not a lender.
Ready to Get Your Loan?
It takes just 10 minutes. No branch visit. No collateral.
Subject to credit approval and lender eligibility criteria.
Open Credit is a loan marketplace/DSA. Loans disbursed by RBI registered partner banks/NBFCs.