Need Instant Cash? CreditSea is Here to Help!

With our instant personal loan app, you can get a loan of up to ₹2 lakhs within minutes and transfer the money
directly to your bank account with repayment from 90 days up to 36 months. No guarantor required!

How Can Our Instant Personal Loans Benefit You?

Our instant personal loans are designed to assist you in various situations, providing quick access to funds when you need them most.

Instant Loan for Medical 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.

What We Offer:

• Loan Amount: ₹20,000 - ₹2,00,000
• Quick Disbursal: Funds directly to your bank account in 2 minutes
• Flexible Repayment Options: Choose between 6 to 36 months
• 100% Online Process: No queues, no hassle
• Minimal Paperwork: Just PAN, Aadhaar, and bank statement required
• No Collateral Needed
• Foreclosure-Friendly: Pay off your loan early without any penalties

Maximum annual percentage rate (APR) : 36%

Example of How Personal Loans from CreditSea Work:

Let’s say you borrow ₹2,00,000 for 3 years:

• Processing Fee: ₹8,260 (3.5% of loan amount + 18% GST + ₹500 stamp duty)
• Interest Rate: 24% p.a. (on a reducing principal balance)
• Your EMI: ₹8,020
• Total Amount Payable: ₹8,020 x 36 = ₹2,88,720
• Total Interest Paid: ₹80,460
• Total Cost of Loan: ₹80,460 + ₹8,260 = ₹88,720
• Annual Percentage Rate (APR): 30.15%

Eligibility Criteria for a Personal Loan:

• Age: 21-55 years
• Minimum Monthly Income: ₹18,000 (metro cities) or ₹15,000 (non-metros)
• Resident of India

How to Apply for an Instant Personal Loan on CreditSea:

Applying for a loan with CreditSea is simple and quick:

1. Download the CreditSea app
2. Sign up and complete your profile
3. Upload required documents (PAN, Aadhaar, bank statement)
4. Select your loan amount and tenure
5. Receive funds directly in your bank account within minutes

Documents Required for Instant Cash Loans:

• PAN Card
• Aadhaar Card
• Bank Statement (Last 3 months)

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
• 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.