Kreditbee Personal Loan App Review, Online Eligibility, Interest Rate


Kreditbee is an instant loan app which gives you a cash loan ranging from Rs 1500 to 1 lacs. But why you need it or how to get it? Most of the time, unpredictable situation come up without a warning and it can be anything, like a sudden medical emergency, festival shopping, paying your EMIs/bills, etc.


Try- Top 10 Best Online Loan Apps In India To Get Instant Real Cash

Even if it’s something you want for yourself, like a vacation, booking concert tickets, dream bike or car, we don’t believe that you must compromise of them just because you have very little or no money. That’s where Kreditbee comes in. A flat interest rate in the range of 1.48% to 2.96% is charged on the personal loans from KreditBee.

Kreditbee Personal Loan App Review, Online Eligibility, Interest Rate

In this post, we will describe all the aspects of Kreditbee instant loan app where you can get loans in just 15 mins.


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Also, Kreditbee runs a fair refer and earn program where you can refer the app to your friends which will give you a discount on processing fee all you have to do is copy your referral code and send it to your friends on social media or through word of mouth.

Kreditbee Loan App Key Features

  • No Paper Work Required
  • Instant loan Upon Approval
  • Get a loan up to Rs 1 lakh
  • Fewer chances of rejection
  • Low-interest rate
  • No wallet maintenance direct cash in the bank
  • Repayments can be done through online banking, UPI, and debit card.

What Is Kreditbee Offers

What Is Kreditbee Offers

KreditBee is an Instant Personal Loan and Credit Platform for Young Professionals, where one can apply for Personal Loan Online

 and avail up to Rs 1 Lakh as Direct Cash Transfer to Bank Account as per their requirement. The overall interest payable starts at Only 1.5% of the Principal. The documentation is very minimal & the entire process starting from registration to cash disbursement does not take more than 15 minutes. The application process is completely online, and on approval, the cash is immediately

Read: Zest Money Review- Digital Loan Apps


Even if you haven’t taken a loan before, or don’t have a credit card, you can still avail loans with KreditBee. Kreditbee offer loans in varying ticket sizes and repayment tenures, to suit all your unpredictable financial needs.

KreditBee Interest Rates

ParticularsMicro LoanShort-Term Loan
(Personal Loan/Cash Loan/Online Loan/Instant Loan)
Salary Advance
Interest Rate10.99% to 18% p.a.From 10.99% to 18% p.a.10.99% to 18% p.a.
Processing FeeRs.130 to Rs.850Rs.1,000 + 18% GSTRs.1,000 + 18% GST
Tenure15 days or 30 days15 days to 3 monthsUp to 15 days from the loan processing date
Loan AmountRs.1,000 to Rs.15,000Rs.10,000 to Rs.1 lakhUp to Rs.8,000

Required Documents For Taking Loans

  • Voter ID card
  • PAN Card
  • Aadhaar card
  • Driving Licence/ Passport

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Eligibility Criteria On Kreditbee App

  • User Must Be A Citizen Of India
  • Age Must Be 18 Years Or Above
  • Minimum Rs 15,000 Per Month Salary Must
  • Aadhaar Card Must Linked With Users Mobile Number
  • Bank Account and PAN Card Required

How To Apply For Loan In Kreditbee?

  • First Of All Download Kreditbee App
  • Now Click On Signup And Signup using your Facebook account. You need to confirm your personal details including name, email address, and mobile number.
  • Enter Refer Code If Ask – SUBTJPPW4
  • Now You need to provide some information like Aadhaar Card and PAN Card details along with DOB, Monthly salary, PIN code, etc.
  • After that, You Need to Upload your KYC documents and some other required details.
  • Provide your bank account details.
  • Now Kreditbee will check your eligibility for a loan, and if approved then Kreditbee will be disbursed the loan instantly in your bank account.

How To Download Kreditbee App APK From PlayStore?

Download Kreditbee App

KreditBee Customer Care Details

Email: [email protected]

Contact Number: 080 – 44292200

Address: Finnovation Tech Solutions Pvt. Ltd.
No.100, The Royal Stone Tech Park,
Benninganahalli, K.R.Puram,
Bengaluru, India –560016.


Type Of Loans Available From Kreditbee App

KreditBee offers three types of personal loans to customers – Microloans, Short-term loans, and Salary advance loans.

Micro Loans

If you want to borrow a higher loan amount, then you need to take microloan first. After checking your repayment behaviour and other eligibility, Kreditbee may allow you get higher amount of loans.

Salary Advance Loan

The salary advance loan is specially made for a salaried person who needs some urgent cash before their salary get credited. You can take salary advance loan from Kreditbee and repay it when your salary gets credited in your bank account.

Short Term Loans

Short term loans are loans which are basically given for a short tenure of less than one year. The interest rate on short term loans is between 1.75% to 3.25%.

Kreditbee App Unbiased Review By IHD

Usually, Personal Loan processed by a Bank usually takes a lot of time, effort and documentation, accompanies by frequent visits to the branch office. However, the KreditBee Personal Loan process is entirely and takes hardly 10-15 minutes to be processed depending on your eligibility. The fulfilment is done as Online Cash Transfer to your Bank Account, which can be used anywhere by you as per your convenience.


Kreditbee is 100% secure and verified by us. You can take a loan from Kreditbee without thinking twice.

KreditBee Refer and Earn (Point System)

This is a very interesting segment by Kreditbee app. Here you can just wave of your processing fee on loans just like magic all you need to do is follow the steps below;-

  1. Open Kreditbee app.
  2. Go to refer option.
  3. Copy your Referral code or click share.
  4. Send the codes to your friends.
  5. Done! you will see the referral points in your account after your friend takes a successful loan from Kreditbee.

Frequently Asked Questions

Kreditbee Operational Cities

KreditBee is operational in all major cities in India, which includes, but is not restricted to providing Personal Loan options in New Delhi, Bangalore, Hyderabad, Mumbai, Thane, Pune, Gurgaon, Noida, Ghaziabad, Faridabad, Kolkata, Jaipur, Chandigarh, Chennai, Kanchipuram, Howrah, Ahmedabad, Surat, Vadodara, Jaipur, Jodhpur, Udaipur, Ludhiana, Chandigarh, Lucknow, Kanpur, Kochi, Indore, Bhopal, Vijayawada, Guntur, Visakhapatnam, Nagpur & Nashik

Is CIBIL Score Matters For Taking Loan?

We often hear about maintaining a good CIBIL Score but why and how? Your Credit Score is a 3-digit number that reflects your creditworthiness and ability to repay debt. In India, there are 4 credit bureaus that generate credit scores — CIBIL, Experian, Equifax, and CRIF High Mark.

The credit scores issued by all the 4 bureaus are equally important as various banks may use different bureau scores to make assessments on a customer’s loan eligibility. So, maintain your credit be by paying all your EMI’s on time and improve your chance to get total financial help.