Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Credit+ review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Credit+ suits salaried professionals in India who need a personal loan quickly, and it funds in 15-20 minutes with free early repayment. Interest runs at 0.1% to 0.5% on a variable rate, and processing charges are deducted from the loan at disbursement, so the cash received is lower than the amount approved.

Key facts

Best for
Salaried Indian professionals wanting a home improvement loan funded in 15-20 minutes.
APR
0.1% to 0.5%↗
Loan amount
₹8,000 to ₹35,000↗
Term
91 months↗
Arrangement fee
5% to 7% processing charges, deducted from the loan at disbursement↗
Credit check
Hard↗
Funding time
15-20 minutes↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Indian citizens aged 18-55, salaried professionals, minimum monthly salary INR 20,000, salary credited to an active bank account, minimum credit score 680↗
Origination fee (%)
5% to 7%↗
Loan types
Personal↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Credify Technologies Private Limited↗
Headquarters
India↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
credittnow.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInXindusappstore.com

Pros and cons

Pros

  • Funding in 15-20 minutes, with same-day funding listed as same day funding.
  • Free early repayment, so clearing the balance early costs nothing extra.
  • Support runs on email, phone and help centre.

Cons

  • A charge of 5% to 7% is taken off the loan at disbursement, so the amount credited is smaller than the amount approved.
  • The credit check is hard and the credit level needed is good, so a weaker score rules an applicant out.
  • The rate is variable, so repayments can rise if rates move upward.
Credit+

Ready to try Credit+?

Scored 9.2 / 10 by SumCue.

See alternatives

Who it suits

  • Salaried professionals in India with a minimum monthly salary paid into an active bank account.
  • Applicants with a good credit score, since the credit level needed is good.
  • Borrowers working to a deadline, given funding in 15-20 minutes.

Who should look elsewhere

  • Applicants outside India, since eligibility is for Indian citizens.
  • Self-employed borrowers, since eligibility is for salaried professionals.
  • Readers who need a larger loan can compare Creduma ES, where amounts run at from €12,000.

How it compares on our data

On loan amount, Credit+ sits at 558 of 665 brands in our ranking, and on term at 38 of 226. Neither figure puts it at the front of either measure, so the case for the brand rests on funding speed and charges rather than on its ranking.

The company behind it

Credit+ is run by Credify Technologies Private Limited, which is based in India. Support runs on email, phone and help centre. The Reserve Bank of India NBFC registration for Aureus Finvest Private Limited reads B.05.05217, and Sampati Securities Limited carries registration 01.00214, which puts the lending partners inside India's non banking finance regulation.

How Credit+ compares

Where Credit+ is available

Available
India
Licence in India
Reserve Bank of India (NBFC registration, Aureus Finvest Private Limited) (B.05.05217), checked September 26, 2026
Licence in India
Reserve Bank of India (NBFC registration, Sampati Securities Limited) (01.00214), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a Credit+ personal loan?+

Interest is charged at 0.1% to 0.5% and the rate type is variable, so the figure quoted at application is the one to compare against other lenders. Because the rate is variable rather than fixed, budget with room above the starting level, and remember early repayment carries no extra cost.

What does the arrangement fee cost, and when is it taken?+

Processing charges of 5% to 7% are deducted from the loan at disbursement, so the sum credited to your bank account is lower than the amount approved. Budget for that difference before you sign, and treat the approved figure rather than the credited figure as your ceiling.

How quickly does a Credit+ loan arrive?+

Funding takes 15-20 minutes and same-day funding is listed among the features, same day funding. The money goes to the bank account that receives your salary, so keep it active and the details accurate from application through to payout.

Who is eligible to apply?+

Applicants must be Indian citizens and salaried professionals, with a minimum monthly salary, salary credited to an active bank account, and a credit score above the stated minimum. The credit check is hard and the credit level needed is good, so a thin file is likely to be declined.

How much can I borrow, and over what term?+

Loan amounts run INR 8,000 to INR 35,000 and the term is 91 months, so this suits a planned repair rather than a long running balance. Compare the INR 8,000 to INR 35,000 ceiling with your monthly repayments, since the rate is variable and the charge is taken at the start.

Can I settle the loan early without a penalty?+

Free early repayment is available, which matters because the rate is variable. Clearing part or all of the balance early adds no charge on top of interest already due. Borrowers who expect their income to rise can treat the loan as a short bridge rather than a permanent cost.

Who runs Credit+ and is it regulated?+

The service is operated by Credify Technologies Private Limited, based in India, and the lending partners carry Reserve Bank of India NBFC registration: B.05.05217 for Aureus Finvest Private Limited and 01.00214 for Sampati Securities Limited. Support runs on email, phone and help centre if you want to check either registration.

What can I use the money for?+

The stated use is home improvement and the product covers personal borrowing. That points to planned renovation spending rather than day to day costs, so check that the purpose you have in mind matches the one the lender expects.

Sources

  • credittnow.com checked September 26, 2026

    Backs: Loan amount, Eligibility, Term, Use cases, Licences

    “Loans ranging from ₹8,000 to ₹35,000”

  • credittnow.com/faq checked September 26, 2026

    Backs: APR, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Support channels

    “Though Creditt+ charges interest rate on a daily basis between 0.1% to 0.5% based on your Credit Profile with Creditt+”

  • credittnow.com/instant-personal-loans checked September 26, 2026

    Backs: Credit check, Credit needed, Features, Free early repayment

    “A minimum Credit Score of 680.”

  • credittnow.com/policy checked September 26, 2026

    Backs: Headquarters, Legal entity

    “registered office at 205, 2nd Floor, Embassy Centre, Nariman Point, Mumbai, Maharashtra, India - 400021”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Credit+

Credit+

Salaried Indian professionals wanting a home improvement loan funded in 15-20 minutes.

9.2/10See alternatives