What is Personal Loan?
A personal loan is a type of unsecured loan offered by banks or financial institutions that allows you to borrow money without needing to pledge any collateral. It can be used for a wide range of personal needs — such as medical emergencies, travel, home renovation, education, or anything else life throws your way.
Why Personal Loan with CreditSea?
At CreditSea, we make personal loans simple, digital, and transparent.
With minimal documentation, quick approvals, and flexible repayment options, you can access the funds you need straight into your bank account, without the wait or the worry.
And if you ever need support, we’re always by your side, ready to respond to your queries promptly and reliably.
What We Offer?
Loan Amount
₹2,000 - ₹2,00,000
Quick Disbursal
Funds to your bank in 2 minutes
Flexible Repayment
Choose between 6 to 36 months
No Paperwork
Just PAN, Aadhaar, and bank statement
No Collateral Needed
Get funds without pledging any security or assets
100% Online Process
Apply, upload, and receive money
Loan Amount
₹2,000 - ₹2,00,000
Quick Disbursal
Funds to your bank in 2 minutes
Flexible Repayment
Choose between 6 to 36 months
No Paperwork
Just PAN, Aadhaar, and bank statement
No Collateral Needed
Get funds without pledging any security or assets
100% Online Process
Apply, upload, and receive money
3 Easy Steps to Get a Loan
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 your details are reviewed, CreditSea will instantly share your loan offer for approval.
Receive Funds Promptly
Accept the offer and get the loan amount credited to your bank account within minutes.
Use Your Loan for Anything
Instant Loan for emergencies
Medical emergencies can occur unexpectedly, making it crucial to have immediate financial support. Our instant personal loans can help cover urgent medical costs, such as hospitalization or surgical procedures. They are also beneficial in scenarios where cashless claims are unavailable or when there is a shortfall in your insurance coverage.
Instant Loan for Relocation
The need to relocate to a different city can arise suddenly, often accompanied by various expenses, including hiring packers and movers, securing temporary accommodation, and paying rental deposits. Our instant loans can help you manage all these costs effectively.
Instant Loan for Financial Shortfalls
When faced with an unforeseen financial crunch and multiple obligations, our instant loans can provide the necessary relief. With quick disbursal and competitive interest rates, our loans are an excellent solution when waiting for funds is not an option.
Instant Loan for Home Repairs
There are times when urgent home repairs are necessary, whether it's fixing leaky walls, repairing the roof, addressing damage from external factors, or exceeding your planned budget. In such cases, you can apply for an instant personal loan to cover these unexpected expenses.
Instant Loan for emergencies
Medical emergencies can occur unexpectedly, making it crucial to have immediate financial support. Our instant personal loans can help cover urgent medical costs, such as hospitalization or surgical procedures. They are also beneficial in scenarios where cashless claims are unavailable or when there is a shortfall in your insurance coverage.
Instant Loan for Relocation
The need to relocate to a different city can arise suddenly, often accompanied by various expenses, including hiring packers and movers, securing temporary accommodation, and paying rental deposits. Our instant loans can help you manage all these costs effectively.
Instant Loan for Financial Shortfalls
When faced with an unforeseen financial crunch and multiple obligations, our instant loans can provide the necessary relief. With quick disbursal and competitive interest rates, our loans are an excellent solution when waiting for funds is not an option.
Instant Loan for Home Repairs
There are times when urgent home repairs are necessary, whether it's fixing leaky walls, repairing the roof, addressing damage from external factors, or exceeding your planned budget. In such cases, you can apply for an instant personal loan to cover these unexpected expenses.
See How a CreditSea Loan Works
• 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
| 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 + GST |
| Stamp Duty | 0.1% of loan amount |
| Mandate Rejection Charges | ₹250 + GST |
| Foreclosure Charges | 4% on remaining principle |
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
Documents Required for Instant Cash Loans
- PANCard
- AadhaarCard
- Bank Statement(Last 3 months)
Other Loan Products
No matter what your requirement is, use CreditSea's loan products to fulfill all your needs.
Calculate your EMI
What Our Clients Say
Real success stories from people who improved their credit score with CreditSea.
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
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Calculators
Personal Loan by Amount
Personal Loan by Salary
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