Need Funds Fast? Apply Online for Up to ₹5 Lakhs

Welcome to Credbharat.com

Loan Matching Engine

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How It Works

Submit Basic Details

Fill in your name, contact, and loan requirements.

Get a Match with Lending Partners

We share your application with top NBFCs/banks based on your profile.

Get Loan Offers via Call or Email

Lenders will contact you directly with suitable loan offers.

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Frequently Asked Questions

LAP is a secured loan where you can take money against pledged property. You can get access to funds based on the market value of the property.

EHFL processes only upto 20lac LAP. Home Loan is upto 50lac.

Residential property is funded by EHFL. Only SORP residential property LAP is processed.

No, zero fees are charged for early pay offs, so you can pay your loan at any time with no extra charges.

Hassle free Digital journey supports you to get the loan approval quick. Avail the loan approval in 2 to 3 working days once all documents are in line.

One has to provide all forms of identification proofs, property proofs, income certificates, and other relevant financial documents. A clear list would be produced during the processing of your loan application.

The loan can be used for various purposes, including business-related working capital and expansion, debt consolidation, and purchasing machinery. However, it can also help meet personal needs, such as education expenses, emergency funds, and the purchase of non-residential property.

Representative APR Range

credbharat.com is not a lender and does not provide short term or online personal loans but refers consumers to the lenders who may provide such loans. credbharat.com is unable to supply you with an exact APR (Annual Percentage Rate) that you will be charged if you are approved for a loan. APRs depend on multiple factors, including the lender’s requirements and offers, your credit worthiness, your state of residence, and the type and term of the loan you request. You will be given the details on the APR, loan fees, and other terms by your lender when you are redirected to your loan agreement during the loan request process.

The APR on a short term loan can range from 200% to 2,290% depending on how the APR is calculated (nominal vs. effective), the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan renewal actions, and other factors. Keep in mind that the APR range is not your finance charge and your finance charge will be disclosed later on. See a Representative Example.

The APR on online personal loans can reach up to 1,386% or higher depending on the lender’s terms, borrower’s residence state, the duration of the loan, loan fees incurred, late payment fees, non-payment fees, loan extension plan, and other factors. Some states cap APR and the amounts of charges for online personal loan.

Implications of Late Payment

You are encouraged to contact your lender as soon as possible if you are unable to repay your loan on the scheduled repayment date or make regular installment payment on time. Your lender may set late payment fees in accordance with state regulations, and your lender has several courses of action to deal with late payment. For more information about your lender's specific procedures that refer to late payments, please review your loan agreement or contact your lender directly.

Origination, documentation and other additional fees may affect your online personal loan deal. Late payment, non-payment fees and other penalties may concern both short term and online personal loan deals in case of missed payments. Please review your loan agreement carefully for information about the financial implications before you provide your electronic signature.

Legal Disclaimer: This website does not constitute an offer or solicitation to lend. credbharat.com is not a lender and does not make loans or credit decisions. credbharat.com provides a connecting service only and is not acting as a representative, agent, or correspondent for any of the lenders we contract with. credbharat.com does not charge a service fee. credbharat.com does not control and is not responsible for the actions or inactions of any lender. credbharat.com does not endorse any particular lender or loan product. You are under no obligation to use the service, initiate contact, or request credit with any of the lenders. This service is not available in all states. Service availability and scope are subject to change without notice.

Subject to our privacy policy, credbharat.com will transfer your information to lenders in our program and other service providers and marketing companies with which we do business who may or may not offer online personal loans up to 500000 INR. credbharat.com does not guarantee that completing an online form will result in your being connected with a lender, being offered a loan product with satisfactory rates or terms, or a loan product of the requested sum or desirable terms, or receiving any approval from a lender in the first place.

Check: Participating lenders may verify your social security number, driver license number, national id, or any other state or federal identifications and review your information against national databases, including but not limited to Equifax, TransUnion, and Experian, to determine your credit worthiness, credit standing and/or credit capacity. By submitting your information via our online form on this website, you agree to allow any and all participating lenders to verify your information and check your credit.

Not all the lenders in our network can provide up to 500000 INR in online personal loans. The limits and regulations vary from state to state. Cash transfer times and terms may vary from lender to lender.

Consumer Notice: We remind that online personal loans for small INR amounts are not a long term financial solution. These credit options imply relatively high interest rates and become a very costly solution if used improperly. Consumers that seek funds for longer terms or debt relief should consult credit advisor prior to making credit decisions of taking a short term or an online personal loan for small INR amount.