KreditBee is an Instant Personal Loan platform, offering young professionals with a wide array of loans, ranging from Rs. 1000 up to Rs. 1 lakh as per their requirement. When there is a need for quick and convenient personal loans, KreditBee is among the first choices of young professionals. Even if a borrower has never taken a loan before, or don’t have a credit card, he/she can still avail loans at KreditBee. Most of the time, the need for financial support comes up without a warning, like a sudden medical emergency, festival shopping, paying your bills, etc. KreditBee provides a platform to get a loan in varying sizes and repayment tenures, to support all the unpredictable financial needs. 

KreditBee Loan Details

Loan Term

KreditBee Personal Loan 

Max Tenure

2-6 months             

3-15 months

Max Amount

Upto Rs.10,000           

Upto Rs.2 Lakhs

Interest Rate

Starts at 1.5% p.m.* 

Starts at 1.02% p.m.*

KreditBee personal Loan offers a range of loans namely Micro Loan, Cash Loan, Personal Loan & Salary Advance Loan. Let’s gets into details:

  • MicroLoan:  Micro Loans ranges from Rs. 1000 up to Rs. 10,000, with a short period of repayment. This loan is usually taken for much-needed funds at the end of the month, like for bill/insurance premium or needs last-minute gifts for somebody’s birthday. 
  • Cash Loan: A Cash Loan is a short-term loan, which is expected to be repaid by the borrower as soon as he/she receives a salary. 
  • Salary Advance Loan: A Salary Advance Loan is a small, short-term loan. It is commonly availing for a short time (usually 10-15 days), mostly during the end of the month by customers to manage the unforeseen expenses they receive their salary. 

KreditBee Loan Feature & Benefits

  • KreditBee provides loan amount directly in the borrower’s bank account.
  • The transferred loan amount can be used anywhere for any purpose. 
  • Its process hardly takes 15 minutes depends on the information.
  • KreditBee provides a wide range of Personal Loan.
  • Interest rates are comparatively low as compared to the other lenders.
  • KreditBee is a platform where a borrower can get a loan from Rs.1000 to Rs. 1 Lakh.
  • A borrower has an option to choose any personal loan as per the requirement.
  • KreditrBee also offers a range of repayment tenures as it depends on which loan option has been availed.
  • An applicant can get a small number of loans for a short period as per his/her requirement.

KreditBee Loan - Interest Rate, Processing Fee and Other Charges

The rate of interest rates of KreditBee personal loan of amount from Rs. 1,000 to Rs. 10,000 based on the opted loan repayment tenure, loan amount, etc. Like for a tenure of 2-6 months up to the loan amount of Rs. 10,000 the interest rate of 1.5% *(p.m.) and for 3 to 15 months, the flat interest rate of 1.02%*(p.m.) is charged. Likewise, the processing fee and other charges also vary based on various factors.

KreditBee Eligibility Criteria

  • A user must have a smart device or a mobile phone.
  • Facebook or Google account is mandatory for signing up on KreditBee Personal Loan APP.
  • An applicant should have Indian citizenship.
  • A borrower must have an Identity Proof (PAN) and Address Proof (Aadhaar/ Voter ID/ Driving License/ Passport).
  • The age of the user should be above 18 years.
  • An Aadhaar linked mobile is preferred for e-signing of the Loan Agreement.

kreditBee Documents Required

The list of required documents may differ based on many factors, here are the generic documents required for availing a personal loan from Kreditbee:

  • Passport-sized photograph
  • Address proof for working professionals
  • Bank statement of salary account
  • Salary slips

KreditBee App

In need of extra fund one is to seek a personal loan from banks, which can be a time-consuming process, another option is taking a loan through a credit card, but interest rates will be high. So, the best option for quick cash is through personal loan apps. There are many loan apps, which can make the personal loan process a lot easy and convenient for a borrower. But, the KreditBee personal loan app is one of the best options. It is best for short term loans.

KreditBee Helpline Number

In case of any query or complaint, a customer can call on KreditBee helpline number i.e. 080-44292200. One can send an email on

KreditBee Repayment

A personal loan from KreditBee can easily repay via Net Banking, Debit Card and UPI by simply heading over to the Repayments section on the App and making an online payment. 

How kreditBee works?

  • Step 1: Download the KreditBee App from the Play Store.
  • Step 2: Get registered yourself via your Facebook or Google profile.
  • Step 3: Fill in the basic details to check your eligibility for availing a Personal Loan through KreditBee APP. 
  • Step 4: If you are eligible, the ‘eligibility successful’ page will be displayed on the screen. An SMS regarding the same will be received on the registered mobile number.
  • Step 5: Now, upload the KYC documents along with a few more basic details.
  • Step 6: After the KYC documents uploaded, the profile will be verified depending on the authenticity and quality of the documents uploaded.
  • Step 7: Once verified, now the applicant can sign the KreditBee Personal Loan agreement.
  • apply instant personal loan


Q1 I’m first time availing a personal loan can I get it from KreditBee?
Yes, you can. However, approval for a personal loan depends on the eligibility, which includes, but isn’t limited to the salary, credit score, and certain other specific parameters and social coordinates that are considered.
Q2Is it possible to avail of two personal loans at once?
No, you can only apply for another loan once after repaying the first loan in full.
Q3I don’t have a Google or Facebook account, is it still possible for me to use KreditBee app?
No, because to use the KreditBee app you have to sign up with a Facebook or a Google account.
Q4Can I get the loan amount transferred to a joint bank account?
Yes, you can get the loan amount transferred to a joint bank account if you are the primary account holder of that bank account.
Q5How much loan amount can I get a personal loan?
The loan amount is based on various factors like salary and others. However, the maximum loan of Rs. 1 Lakh can be availed with KreditBee.
Q6What will happen if I don’t repay the loan on time?
If you don’t repay the loan on the allotted time, then your CIBIL score decreases, you will have to pay a penalty and also, you’ll not be eligible to avail a personal loan of the higher amount from kreditBee in future.
Q7In how much time the loan amount get disbursed?
After the loan approval, the loan amount gets disbursed to your account within 1 working day.
Q8My loan application was rejected last time can re-apply for the same?
Yes, you can re-apply for a personal loan within 6 months of the last application.