Introduction:

At Credy, you can access instant personal loans online up to Rs. 1 Lakh to cover your financial needs. Our service ensures loan approval and fund transfer within 24 hours. Personal loan interest rates vary from 1% to 1.5% monthly, with repayment terms from 3 to 12 months.

Credy Personal Loan Details:

• Loan Amount: Up to Rs. 1 Lakh
• Interest Rate: 1% to 1.5% per month
• Repayment Tenure: 3 to 12 months
• Minimum EMI: Rs. 8,885 per Lakh
• Processing Fee: 3% + GST
• Prepayment Charges: 2% + GST
• Late Payment Penalty: 2% per week + GST
• Disbursal TAT: Within 24 hours post-approval
• Minimum Monthly Salary Requirement: Rs. 20,000

Types of Credy Personal Loans:

1. CrEducate: Tailored for education expenses like online courses, school fees, and coaching classes with a hassle-free application, flexible terms, and options like 0% interest for partner institutes.
2. Emergency Loan: Ideal for urgent needs such as medical expenses or weddings, available for selected cities with an easy application, loan renewal option, and a competitive interest rate.
3. CredyT Refinancing: Aims to refinance high-interest credit card bills, save costs, and improve credit scores with affordable EMIs.
4. Advance Salary Loan: Grants advance salary up to Rs. 1 Lakh for urgent needs with instant approval and disbursal, featuring an annual interest rate of 12% to 22%.

Key Features of Credy Personal Loan:

• Versatile usage for refinancing, weddings, gadgets, holidays, education, etc.
• Maximum loan limit of Rs. 1 Lakh with repayment options from 3 to 12 months.
• Unsecured loan with competitive interest rates based on various factors.
• Processing Fees: 3% of the loan amount (minimum Rs. 500) + GST.

Why Choose Credy:

• Fast and simple online process
• Quick loan approval
• Paperless documentation
• Customized loan solutions
• Competitive interest rates
• Easy repayment options

Other Instant Loan Apps:

• mPokket
• Cashe
• MoneyTap
• PaySense
• moneyview
• Dhani
• Cashbean
• Nira

EMI Calculation: Calculate your EMI using MyMoneyMantra's Personal Loan EMI Calculator by inputting the loan amount, interest rate, and repayment tenure to find the monthly EMI and amortization schedule.

Comparison: Compare Credy with other lenders like AnyTimeLoan, Navi, and EarlySalary based on interest rates, processing fees, and maximum loan limits.

Documentation: Required documents include Aadhaar Card, salary account statements, payslips, rent agreement, and closure certificates for previous loans.

Eligibility: Criteria include being over 18, residing in India with a minimum monthly income of Rs. 15,000, a valid Aadhaar, and residing in specific cities like Pune, Mumbai, or Bengaluru.

Charges: Details on registration and additional charges, interest payable, processing and prepayment fees, late payment penalties, and the application of GST.

Application Process: Steps include downloading the Credy app, filling out the application, uploading documents, waiting for verification, and receiving funds post-approval.

Customer Care: For queries, contact using phone numbers or email provided.