Personal/Consumer Loan In 30 Second

Get approved in just 30 seconds with the EASYCRED platform!


Zero documentation required
Discover the perfect loan product for you
Access the best offers from RBI-licensed NBFC
Enjoy personalized loan options tailored to your needs
Experience a transparent and hassle-free process
Instant approval in 30 seconds!

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Loan Product

Personal/Top Up Loan

Personal Loan

  • ₹20,000 - ₹5,00,000
  • Tenure of 6 - 24 months
  • Monthly Interest from 2.6% 
  • Processing Fee : 0 - 12% 
  • Amount Directly Credits To Your Bank Account 
  • Timly Repayment gives you access to higher amounts 

Top Up Loan

  • ₹20,000 - ₹2,00,000
  • Tenure of 6 - 12 months
  • Monthly Interest from 2.6% 
  • Processing Fee : 0 - 12% 
  • Amount Directly Credits To Your Bank Account 
  • PAN Linked Mobile Number For Easy Loan Processing 

Consumer/Electronic Loan

Consumer Loan

  • ₹10,000 - ₹2,00,000
  • Tenure of 6 - 24 months
  • Monthly Interest from 0% 
  • Processing Fee : 0 - 12% 
  • Amount Directly Credits To Merchant Bank Account 
  • Buy Now/Pay Later Option 

Buy Digital Gold And Silver

Digital Gold/Silver

  • buy gold and silver at live market rate 
  • 999.9 (24K) pure gold 
  • real-time gold pricing 
  • transactions, and reporting 
  • Gold/Silver Wallet 
  • sell digital gold & silver any time 
  • doorstep delivery service 

Loan Processing In 4 Easy Steps

Step 1

Register Phone Number

Step 2

Select Loan Product

Step 3

KYC/Credit Verification

Step 4

Disbursed In 30 Seconds

F.A.Q

Frequently Asked Questions

  • What Is EasyCred

    Easycred is a leading loan aggregation platform dedicated to providing seamless financial solutions to both retailers and individuals. In collaboration with a prominent RBI-approved lending partner, we specialize in offering personal and consumer loans tailored to meet diverse needs.

    For Retailers: Easycred empowers retailers by enabling them to establish their own e-storefronts. Through this platform, customers can purchase a wide range of products and conveniently convert their payments into easy EMIs, enhancing customer satisfaction and driving sales growth.

    For Individuals: Easycred offers a curated selection of loan options with competitive interest rates, ensuring affordability and flexibility. Our streamlined process allows individuals to access funds directly into their bank accounts within just 30 seconds, providing a quick and hassle-free borrowing experience. With a commitment to innovation and customer-centric solutions, Easycred is redefining the way retailers and individuals access financial products, making loans simpler, faster, and more accessible.

  • Who We Are?

    Easycred is a premier loan aggregation platform headquartered in Patna, Bihar. Founded by a team of seasoned professionals with over 20+ years of diverse experience across various roles and industries, we are committed to revolutionizing the lending landscape. Our small yet passionate team of engineers and business professionals is dedicated to building a next-generation lending platform that combines innovation, efficiency, and customer-centric solutions.

    Leadership Team:
    Siddharth Chandra: With over 20+ years of experience, Siddharth has held key roles at global product giants such as NVIDIA, Adobe, and Intel. His expertise spans working in both established corporations and bootstrapped startups, bringing a wealth of knowledge in technology and product development. LinkedIn Profile
    Rohit Pandey: A seasoned professional with over 20+ years of experience in business development and sales, Rohit brings strong business acumen and a proven track record of driving growth and building strategic partnerships.

    At Easycred, we are driven by a shared vision to create a seamless, transparent, and accessible financial ecosystem for individuals and businesses alike. Our platform reflects our dedication to innovation, trust, and excellence in the lending industry.

  • How Amount Is Credited Into Account?

    The Easycred platform is built on industry-standard, enterprise-grade technology, ensuring a robust and secure experience for all users. We prioritize your safety and privacy, which is why our process is designed to be simple yet highly secure.
    To get started, all we require is your mobile number, which must be linked to your Aadhaar or PAN for verification. Our advanced AI-powered system swiftly evaluates your creditworthiness and credit history, enabling us to make informed decisions in real-time.
    Once your loan application is approved, the requested amount is disbursed directly into your bank account within just 30 seconds, offering you unparalleled speed and convenience.
    At Easycred, we combine cutting-edge technology with a commitment to security, ensuring a seamless and trustworthy lending experience for every customer.

  • Why EasyCred ?

    Faster Approval Times
    Trust and Security
    Data Privacy Measures
    Showcase Positive Feedback
    Minimal Documentation

  • How We Finance ?

    At Easycred, we have established strong partnerships with leading Banks and NBFCs across India, enabling us to offer a wide range of tailored financial products. Our platform leverages advanced AI technology to perform a soft credit check, ensuring a quick and accurate assessment of your creditworthiness without impacting your credit score.
    We are dedicated to providing low-cost consumer and personal loans to millions of individuals across the country. Our mission is to make financial solutions accessible and affordable for everyone, regardless of their background or financial standing.
    Understanding the diverse needs of consumers across the spectrum, we are committed to delivering seamless, transparent, and customer-centric lending experiences. At Easycred, we believe in empowering individuals with the financial tools they need to achieve their goals.

Careers

Current Opening

  • Easycred is looking for dynamic professionals willing to work in a challenging environment.
    At Easycred we provide the best platform and a great start for aspirational individuals who are willing
    to be a part of a product-based organization that is scaling up Please feel free to drop your resume at

    [email protected]
    We will get back to you regarding your application. If you feel you are a special candidate and
    still can't find your dream position, please don't hesitate to drop us an email.
    We would love to talk with you and explore the possibility of creating a special position just for you.

  • Design, prototype, and deploy GenAI-powered features using LLMs (e.g., OpenAI, Claude, LLaMA).
    Develop and optimize prompt engineering and workflows for retrieval-augmented generation (RAG), summarization, question answering, personalization, etc.
    Build and manage AI pipelines that connect models to user inputs and app logic.
    Work closely with product, design, and engineering teams to make AI feel natural and delightful for users.
    Fine-tune open-source models when needed (LLMs, image, or multimodal).
    Build and manage vector stores for embeddings, search, and context-aware responses.
    Ensure performance, latency, and cost-efficiency of AI systems in production.

    Tech Stack / Tools You Might Use
    ● LLMs/APIs: OpenAI (GPT-4), Claude, Cohere, Hugging Face, Mistral
    ● Vector DBs: Pinecone, Weaviate, FAISS, Chroma
    ● Frameworks: LangChain, LlamaIndex, Transformers, PyTorch
    ● Infra: Docker, FastAPI, AWS/GCP, serverless deployments
    ● Data: Python (Pandas, NumPy), JSON, CSV, SQL
    ● Experiment Tracking: Weights & Biases, MLflow (optional but useful)



    Work Location
    Remote / Hybrid
    Full-Time

  • Build and maintain scalable web and mobile applications (React, React Native with strong experience in NodeJS/MongoDB).
    Develop robust backend services and APIs using Node.js / Python / FastAPI or similar.
    Implement CI/CD pipelines, manage deployments (Azure, AWS, GCP,Digital Ocean), and ensure uptime.
    Integrate AI/LLM APIs and collaborate closely with ML engineers to embed AI into the product.
    Collaborate with designers and PMs to bring smooth, GenAI-enhanced user experiences to life.
    Handle DevOps responsibilities: containerization (Docker), cloud infra setup, monitoring, performance optimization.
    Ensure code quality via testing, code reviews, and automation.
    Wear multiple hats: ideate, prototype, ship fast, iterate faster.

    Tech Stack (you don't need all of these, but familiarity is a plus)strong
    ● Frontend: React / React Native
    ● Backend: Node.js / Express / Python / FastAPI
    ● Mobile: Android (Kotlin/Java), iOS (Swift), or cross-platform (React Native preferred)
    ● Infra: Docker, GitHub Actions, AWS/GCP, Firebase, Supabase, Vercel
    ● DBs: MongoDB, Redis
    ● AI Integration: OpenAI, LangChain, vector DBs (e.g., Pinecone, Weaviate)
    ● Monitoring: Sentry, Datadog, CloudWatch



    Work Location
    Remote / Hybrid
    Full-Time

  • Looking for Interns who have just passed out from College
    What we would offer is exposure to the latest technologies such as Google Cloud, AWS, Mongo, and much more
    We would provide on-the-job training and make you industry-ready and this internship would be for 6 Months

    Minimum Qualification

    BE/BTech or a Vocational/Technical graduate degree from a reputed college
    Freshers passed Out From college (Upward 2022 Batch).
    However, exceptions are welcome
    Understanding of Data Structures
    It is good to know JAVA/JAVASCRIPT
    Problem-Solving Skills
    Adaptability to the startup environment
    This is not a paid position and no stipend/expenses would be provided


    Work Location
    Remote / Hybrid
    Intern

  • Looking for Interns who have just passed out from College
    What we would offer is exposure to the latest technologies such as Modern Web Framwork such as Angular/Node/React and much more
    We would provide on-the-job training and make you industry-ready and this internship would be for 6 Months


    Minimum Qualification

    BE/BTech or a Vocational/Technical graduate degree from a reputed college
    Freshers passed Out From college (Upward 2022 Batch).
    However, exceptions are welcome
    It is good to know JAVASCRIPT/HTML/SEO/CSS/Server Side Rendering With JS Framework Such Zurb Foundation Or Twitter Bootstrap
    Problem-Solving Skills
    Adaptability to the startup environment
    This is not a paid position and no stipend/expenses would be provided


    Work Location
    Remote / Hybrid
    Full-Time

  • Looking for Interns who have just passed out from College
    What we would offer is exposure to the latest technologies such as Native Android/iOS and Hybrid App Development
    We would provide on-the-job training and make you industry-ready and this internship would be for 6 Months


    Minimum Qualification

    BE/BTech or a Vocational/Technical graduate degree from a reputed college
    Freshers passed Out From college (Upward 2022 Batch).
    However, exceptions are welcome
    It is good to know Android/iOS Framework Apache Cordova/React Native and Java
    Problem-Solving Skills
    Adaptability to the startup environment
    This is not a paid position and no stipend/expenses would be provided


    Work Location
    Remote / Hybrid
    Full-Time

  • Looking for a Business Development Executive with experience between 1-3 yrs
    Good communication and interpersonal skills
    Preference from the banking domain
    90% field work/10% office
    Generate leads/Meet Sales target
    Best in-class pay with
    Generate leads/Meet Sales target


    Minimum Qualification
    BA/BCOM/BBA/MBA Full time
    Freshers passed Out From college (Upward 2022 Batch)
    Proficient with computers/software/ERP/CRM-based
    system
    Adaptability to the startup environment


    Work Location
    Remote / Hybrid
    Full-Time

EASYCRED Advantage For Retail Business

Join us in offering Consumer Loan products directly to your customers from your store

5 Easy Step Checkout

1. Choose products from the E-Store
2. Register using a mobile number
3. Select a loan from our NBFC partner
4. KYC/CREDIT Verification
5. Instant Approval.Loan Disbursement Into Registered Merchant Account

Higher Revenue

Your Customers Buy In 5 Easy Steps. Approval In 30 Seconds

60% More Average Order Value

With EASYCRED. Buying Anything Now Takes Less Than 30 Seconds

ZERO Documentation

Existing UPI/PAN Linked Mobile Numbers Is All That Is Needed

Easy Integration

On The Fly Integration With Your Current Inventory. No Code. QRCode Solution For Your Store

Extend Easy Credit From RBI Licenced NBFCs Through Easycred Platform

With Easycred you can extend more options to your customers from RBI Licenced NBFCs On The Fly

Low Margin Cut

We Take the lowest % from your Sales

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easy loan, emi credit,loan, easy loan,debit card emi online shopping, buy on emi, easy emi credit card, shop on emi without credit, no credit card emi, easy emi available, bajaj finance, 0% interest free, bajaj finserv, no cost emi, buy now pay later, easy emi