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Explore Our Frequently
Asked Questions

Find quick and clear answers to the most common
questions about KredLead.

What is a credit score, and why is it important?

A credit score is a numerical representation of your creditworthiness. It’s important because it influences your ability to secure loans and the interest rates you receive.

How can I check my credit score?

You can check your credit score through various online services, including KredLead, which offers free access to your score.

What are the benefits of having a credit card?

Credit cards offer benefits such as building credit history, earning rewards, and providing financial flexibility for purchases.

What should I consider when choosing a credit card?

Consider factors such as interest rates, annual fees, rewards programs, and your spending habits when choosing a credit card.

What is a personal loan, and how does it differ from other types of loans?

A personal loan is an unsecured loan that can be used for various purposes. Unlike secured loans, they don’t require collateral, making them more accessible for borrowers.

Overview

Average Percentage Rate (APR)

kredlead is a service arm of CredBuddha – a loan aggregator platform operated by Intexm Media Private Limited, a registered financial technology company that facilitates loan aggregation through RBI-regulated banks and NBFCs. You can secure an instant personal loan ranging from ₹10,000 to ₹15 Lakhs. Our preferred lenders offer interest rates starting at 11.99% p.a., and you can choose from a variety of flexible repayment plans, ranging from 3 months to 5 years. Use these funds for any financial needs you may have.

Example Calculation
  • Loan Amount: ₹2,00,000
  • Interest Rate: 12%
  • Repayment Tenure: 2 years
  • Processing Fee: 2% = ₹4,000 + GST = ₹4,720
  • Line Setup Fee: ₹499 + GST = ₹588 (to be paid before starting the credit line)
  • Monthly EMI: ₹9,415
  • Total Interest: ₹25,953
  • Total Repayment Amount: ₹2,25,953 after 2 years

The maximum Annual Percentage Rate (APR) can go up to 35%, depending on our RBI-approved lenders.

Why Choose the Cred Buddha App?
  • Instant Loans up to ₹50 Lakhs*
  • Affordable Interest Rates: Starting at 11.99%* p.a.
  • RBI-Approved Lenders
  • 100% Paperless Digital Application
  • Highest Approval Rate & Quick Disbursal
  • Flexible Repayment Plans: 3 months to 5 years
  • Transparent & Convenient Loan Process
  • Safe & Secure Transactions

Your data is secure with us. It is transferred over a secure HTTPS connection, and we do not share it without your consent.

Instant Loan Eligibility with Cred Buddha
  • Age: 21 to 60 years
  • Residence: Indian Resident
  • Income: Minimum monthly income of ₹15,000 (for salaried) or annual turnover for self-employed (as per lender)
  • Credit Score: CIBIL score of 650 or higher* (subject to lender approval)
  • Employment: Salaried job in the public/private sector or consistent self-employed income
  • Business Vintage Requirement: Minimum of 2 years or more (only for business loans)
Steps to Apply for an Instant Loan
  1. Log in to the kredlead application.
  2. Provide your basic personal information.
  3. Specify the loan amount you need.
  4. Connect with RBI-approved lenders.
  5. Receive the funds directly in your bank account.

It's safe, instant, and reliable!

Our Lending Partners

Bajaj Finserv, LoanTap, Aditya Birla Capital, Bhanix, Fibe, Zype, Incred Finance, Poonawala Fincorp, Fatak Pay, Flexi Loans