With MYCREDFresh personal loan
Collateral-free funding for whatever you need it for.
- Up to ₹50 lakh, from 9.9% p.a.
- No security or guarantor
- Tenure built around your EMI
Banks and NBFCs we place with
Aapke Sapne, Hamara Saath. Your dreams. Our backing.
One short form. Your profile goes to 30+ RBI-regulated banks and NBFCs, and we bring back the sharpest offer.
Does not affect your credit score. This is an enquiry, not an application.
Banks and NBFCs we place with
About a minute. No documents, no credit-score impact.
About a minute. No documents.
Within 2 working hours.
30+ lenders, pricing negotiated.
Typically within 24 hours of approval.
Approval always rests with the lender — nobody can promise a yes. *Fee waivers, rates and the gift are subject to approval, scheme terms and stock. Terms apply.
Aapke Sapne, Hamara Saath
89,800 families later, we have learnt it is never really about the money.
Tell us yours. If borrowing is the wrong move right now, we will say so.
Know where you stand before you fill anything in.
Missing one line does not rule you out — partner policies differ.
21 – 60 years
₹25,000+ a month, or filed ITR
700+ for the best pricing
6+ months in job, 2+ years in business
PAN, Aadhaar, 3 months’ statements
Resident Indian, serviceable pincode
We introduce you to banks and NBFCs. The agreement is always between you and the lender.
The lender pays us a commission. You are never billed a rupee.
Fees, interest, add-ons, prepayment terms — in writing, before you sign.
Every partner is RBI-registered. No unregulated lending apps.
Encrypted, shared only with relevant lenders, deleted on request.
A named specialist on a direct number, not a call centre.
“My bank quoted 14%. MYCRED came back with 10.4% and no processing fee.”
“Applied Tuesday evening. Money in my account by Wednesday afternoon.”
“My advisor talked me down to a smaller loan. You do not expect that from someone on commission.”
No. This is an enquiry, not an application — nothing is filed with a credit bureau. A hard enquiry only happens later, once you pick a lender and give the go-ahead.
Nothing. The partner bank or NBFC pays us a commission on a successful disbursal. Processing fees and interest belong to the lender and are shown before you commit.
No, and be wary of anyone who says otherwise. It is the lowest rate across our partners, offered to the strongest profiles. Yours depends on your credit score, income and employer.
Yes — often that is where we save the most. We can move your balance to a cheaper lender, arrange a top-up, or both. Pick the option in the first field of the form.
We subtract the foreclosure fee and the new processing fee from the interest you would save, and show you the net figure. If it does not clearly favour switching, we tell you to stay.
Within 2 working hours, Monday to Saturday, 9 AM – 7 PM. Enquiries after hours are picked up the next working morning.
No. You can walk away at any point, including after seeing the offers. No fee, no obligation.
Only the lenders relevant to your enquiry. We never sell your details. Ask us at info@mycred.com and we will delete your record. See our Privacy Policy.
Thank you — we have your details. Here is exactly what happens next.
A reminder: we will never ask you for an OTP, a password, or an advance payment.
