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Company Overview

Finding you the best loans since 2019

99Creds was founded in 2019, with one goal- providing the best loans as per eligibility and helping individuals with the best financial advice. we have tie-ups with multiple banks and NBFCs to ease the loan search.

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Am I Eligible?

  •   Salaried or self-employed
  •   Monthly in-hand income of ₹20,000* or more
  •   Income should be received in a bank
  •   Min CIBIL score of 600 or Experian score of 650
  •   Should be aged between 21 years and 57 years
  •   Identity proof (PAN or Aadhaar Card)
  •   Address proof
  •   Last 3 months’ statement with salary credits

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A Personal loan is a type of unsecured loan that you can borrow from a bank or financial institution if you require funds to pay for your financial needs.

You borrow a loan when you require credit. Once you submit your loan application to a lender for a personal loan, the lender verifies and approves it. Post this, the loan amount is disbursed into your bank account. Once you receive the loan amount, you will need to repay the lender via EMIs for the loan repayment tenure.

The maximum amount of loan depends on your monthly income. In India, there are lenders who offer up to Rs.40 lakh.

Credit cards are an essential financial tool enabling holders to make purchases and have the luxury of paying back later. A credit card comes with a bank-approved credit limit, and the holder must pay back the amount due on the due date, which the bank and the holder mutually decide.

Yes. You can apply for a credit card online once you go to the website of your preferred bank, or you can conveniently compare options and apply for one on 99creds.

A credit card gives you a line of credit; you can use this to make balance transfers, purchases, and cash advances. You will have to pay back the amount by the date specified by the bank. When using a credit card, you have to keep in mind the minimum payment made every month by the due date.

This is the maximum amount that one can spend on their card. When you have a high limit for credit cards, it allows you to spend more, which will help your credit scores.

A Balance Transfer lets you transfer an existing loan to a new lender at a better rate of interest.

You should consider a personal loan balance transfer when

1. The interest rate of your loan is higher than current market rates

2. Your loan has a floating rate of interest and you want to reduce risk by opting for a fixed rate of interest

3. You want to lower your EMIs

Yes, it is possible to do a balance transfer of your loan from the current bank/NBFC to another financial institution if you have paid 6 EMIs in the past on the loan without any delinquencies. However, the criteria for such varies from one financial institution to another.