What is Personal Loan?
Need extra funds for personal expenses like a wedding, medical emergency, or a dream vacation?
Don’t worry, you can apply for a Personal Loan with CreditSea and get the financial support you need—quickly and hassle-free.
Whether it’s managing unexpected expenses, consolidating debt, or funding your next big goal—get instant access to funds. Take control of your finances without compromise!
What is CreditSea?
Get a personal loan of up to ₹2 lakhs within minutes and receive the amount directly in your bank account. Repay conveniently over 3 months to 36 months with no guarantor required.
How Can Our Instant Personal Loans Benefit You?
What We Offer?
Loan Amount
₹2,000 - ₹2,00,000
Quick Disbursal
Funds directly to your bank account in 2 minutes
No Paperwork
Just PAN, Aadhaar, and bank statement required
Flexible Repayment
Choose between 6 to 36 months
No Collateral Needed
100% Online Process
No queues, no hassle
Example of How Personal Loans from CreditSea Work:
Loan Amount
₹2,00,000
Processing Fee
₹8,260
Interest Rate
24% p.a.
EMI (36 months)
₹8,020
Total Payable
₹2,88,720
APR
30.15%
- • Processing Fee : 3.5% + 18% GST + ₹500 Stamp Duty
- • Total Interest Paid : ₹80,460
- • Total Cost of Loan : ₹88,720
CreditSea Charges
| Charge | Amount |
|---|---|
| Interest Rate | Starting from 18% p.a. |
| Processing Fee | 2–4.5% of loan amount |
| Late Payment Fee | ₹500 or 3% of overdue amount (whichever is higher) |
| Bounced Payment Fee | ₹500 |
| Stamp Duty | 0.1% of loan amount |
| Mandate Rejection Charges | ₹250 + GST |
| Foreclosure Charges | 4% on remaining principal |
At CreditSea, transparency is key. All fees and charges are communicated upfront, and you can access your loan details anytime via the CreditSea app.
Eligibility Criteria
- AgeBetween 21 and 55 years
- Monthly Income₹18,000 (Metros) and ₹15,000 (non-metros)
- NationalityMust be a Resident Indian citizen
- Work ExperienceAt least 1 year in current job/profession
Documents Required for Instant Cash Loans
- PAN Card
- Aadhaar Card
- Bank Statement (Last 3 months)
Apply for a Loan in 3 Simple Steps
Solve all your money-related problems
Apply Online
Fill out a quick application form with your basic personal and financial details. No paperwork needed.
Get Express Approval
Once reviewed, Creditsea will send you an instant loan offer for your approval.
Receive Funds Promptly
Accept the offer and get the loan amount credited to your bank account within minutes.
Other Loan Products
No matter what your requirement is, use CreditSea's loan products to fulfill all your needs.
Calculate your EMI
Your EMI Details
Loan EMI
₹ 0
Total Interest Payable
₹ 0
Total Payment (Principal + Interest)
₹ 0
Breakup of Total Payment
What Our Clients Say
Real success stories from people who improved their credit score with CreditSea.
I got a 45% credit score boost & pre-approved loan within a week!
Priya Patel
Freelancer
CreditSea helped me secure my first home loan hassle-free!
Ananya
Entrepreneur
My credit score increased dramatically in just a few weeks!
Nikhil Kulkerni
Restaurant Owner
Thanks to CreditSea, I got a car loan with the best interest rate!
Vikram Singh
Designer
Frequently Asked Questions
General Questions
Contact Us
SO-11, 3rd Floor, Magneto Offizo Magneto The Mall, Telibandha, Raipur, C.G. – 492001
+91 8827973499
help@creditsea.comGrievance Officer Details
Products
Special Purpose Loans
Calculators
Personal Loan by Amount
Personal Loan by Salary
Loan by Location
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