KreditBee Loan
9 Important Aspects You Should Know
To Apply



KreditBee loans are offered by KreditBee which is a digital lending platform that facilitates loan transactions between borrowers and personal loan providers such as NBFCs (Non-Banking Financial Companies) and banks. KreditBee loan applications are approved and sanctioned by the NBFCs/Banks registered with the Reserve Bank of India (RBI). 

KreditBee offers personal loans to individuals, particularly targeting young professionals and millennials who may need more credit history or access to traditional banking services. You can apply through the Kreditbee Loan app on your smartphone or access their website.

In my Blog Post, I have highlighted 9 important aspects you should know before applying for Kredit Bee Loans.

Table of Contents

KreditBee App

KreditBee offers a personal loan mobile app that allows users to apply for loans from their smartphones conveniently. 

The KreditBee loan app is available for download on both Android and iOS devices. Users can find and download the app from the Google Play Store for Android devices and the Apple App Store for iOS devices.

With attractive interest rates and a hassle-free experience, it’s a convenient platform for obtaining quick personal loans. 

Here are some key features of the KreditBee Loan app:


Note : 

  • It is essential to download the official KreditBee app from a trusted source, such as the Google Play Store or Apple App Store, to ensure security and reliability.
  • Additionally, you should review the Terms and conditions of the app and the loans offered by KreditBee before proceeding with the loan application.

KreditBee Loan Details

KreditBee offers various features on its loans. These features are user-friendly and aim to simplify your loan application.

Here are the Key Features :

Flexi Personal Loan

Key Features :
  • 100 % Online Process
  • 24 x 7 Availability
  • Hassle-free documentation
  • 10-Minute Loan Disbursal
  • Attractive Interest Rates
  • Low Processing Fees
  • Flexible Repayment Tenures starting from 3 months to 10 months.

Loan For Self- Employed

Key Features :

  • 100 % Online Process
  • 24 x 7 Availability
  • Hassle-free documentation
  • 10-Minute Loan Disbursal
  • Attractive Interest Rates 
  • Low Processing Fees
  • Flexible Repayment Tenures starting from 4 months to 24 months.

Loan For Salaried

Key Features :

  • 100 % Online Process
  • 24 x 7 Availability
  • Hassle-free documentation
  • 10-Minute Loan Disbursal
  • Attractive Interest Rates 
  • Low Processing Fees
  • Flexible Repayment Tenures starting from 4 months to 24 months.

Purchase On EMI

Key Features :

  • Online Shopping with EMI
  • Hassle-free documentation
  • 10-Minute Loan Disbursal
  • Attractive Interest Rates 
  • Low Processing Fees
  • Choice from 2 lakh+ merchants
  • Flexible Repayment Tenures starting from 3 months to 18 months.

Note: For specific details, you can access the official KreditBee website of KreditBee at

KreditBee Loan Amount List

KreditBee offers a variety of loan amounts to suit different needs and borrowers. It offers personal Loans starting from ₹3,000 up to ₹5,00,000. These Loans are quick and collateral-free with the convenience of direct fund transfer to your bank account. Here’s a breakdown of their loan products :


Loan Categories Loan Amounts
Flexi Personal Loan ₹3,000 up to ₹66,000
Loan for Self- Employed ₹10,000 up to ₹4,00,000
Loan for Salaried ₹10,000 up to ₹5,00,000
Purchase on EMI up to ₹2,00,000

KreditBee Interest Rate

The personal loan interest rates on KreditBee are as follows :


Loan Categories Interest Rates
Flexi Personal Loan 24% to 29.95% per annum
Loan for Self- Employed 16% to 29.95% per annum
Loan for Salaried 17% to 29.95% per annum
Purchase on EMI 8% to 26% per annum


The specific rate you are offered may depend on several factors, including:

  • Loan amount: Typically, smaller loan amounts come with higher interest rates.
  • Credit score and history: A good credit score can lead to a lower interest rate.
  • Tenure: Longer loan terms usually have higher interest rates compared to shorter ones.
  • Employment status: Salaried individuals may get better rates than self-employed or unemployed borrowers.

KreditBee Loan Calculator

You can estimate and plan your loan repayments with the Kreditbee Personal Loan EMI Calculator by accessing their portal at

This EMI calculator helps you to make informed decisions on your loans confidently.

KreditBee Login

To log in to your KreditBee account and manage your loan, follow these steps :

Using the KreditBee App:

  • Download the app: Download and install the official KreditBee app on your device from the Google Play Store.
  • Open the app: Launch the app and locate the login screen.
  • Enter your mobile number: Use the registered mobile number associated with your KreditBee account.
  • Receive and enter OTP: You’ll receive a One-Time Password (OTP) on your registered mobile number. Enter this OTP in the designated field.
  • Login: If the OTP is correct, you’ll be logged in to your KreditBee account.

Using the KreditBee Website:

  • Visit the website: Access the official KreditBee website at
  • Click “Sign In”: Locate the “Sign In” button on the website’s main page.
  • Choose Your Login Method: You can log in using your Facebook or Google account. The lender mandatorily requires an active online account with Facebook/Google to register for online banking services. Alternatively, you can also use your registered mobile number and OTP to log in.
  • Enter your password: Type in your KreditBee account password securely.
  • Click “Sign In”: If your credentials are correct, you’ll be logged in to your account.

Note :

  • If you encounter any issues logging in, contact KreditBee customer support for assistance. Their contact details are available later in the blog.
  • Always keep a strong and unique password for your KreditBee account as it is crucial for security .

Kreditbee Customer Care Number

Customer Care Numbers  :

You can contact KreditBee at the following two customer care numbers :

  • 080-44292200
  • 080-68534522

Their customer care hours are Monday to Saturday, 10:00 AM to 7:00 PM (excluding Public holidays).

Customer Care E-Mail :

You can also contact Kreditbee customer care by email at or 

Head Office Address:

16/3, Adarsh Yelavarthy Centre,
Opp to Frank Anthony School,
Cambridge Layout, Jogupalya
Bangalore Karnataka 560008 India

Grievance Redressal :

For any grievance redressal related to Kreditbee loans or services, you can access their portal at


In Conclusion, KreditBee loans can be a useful way for you to seek immediate requirements of instant funds. However, it is always advisable to compare and review the terms and rates of other lenders before making a decision.

Additionally, make sure that you have exhausted all other options before taking these loans as these lenders charge higher interest rates as compared to traditional ones like Banks. You see, Taking these instant loans can be easy. The important thing is to ensure that you repay on time and do not become a defaulter as it may affect your credit history.

Ultimately, the decision of whether or not to take out a KreditBee loan is up to you. However, by carefully considering the pros and cons and doing your research, you can make an informed decision that is right for you.


Can I apply for a loan on KreditBee?

Yes. You can apply for a KreditBee Loan subject to fulfillment of eligibility criteria.

Kreditbee will approve your loan based on factors such as your creditworthiness, documentation, and other relevant parameters.

You can find KreditBee’s loan terms and conditions on their official website.

You can use the personal loan for various purposes, such as medical expenses, education, travel, or any other legitimate need.

Yes. There are certain preconditions that you need to fulfill before applying for a loan. Please refer to the website for more details.

Yes. You need to upload your KYC documents such as PanCard, Aadhar Card etc at the time of applying for the loan.

You need to submit details of your bank account for loan disbursal and repayment. of your Loan Account.