CredBean

Apply in 3 minutes

Fill your details, verify your mobile number with an OTP, and a loan specialist gets back to you within one working hour. A soft check only — your credit score is never hurt.

Keep these ready

  • PAN card number
  • Aadhaar-linked mobile number for OTP
  • Bank account details where the loan is disbursed
  • Latest income proof — salary slip, bank statement or UPI cash-flow history

We never ask for an advance fee, and we never access your contacts, gallery, call logs or SMS. See the full fees & charges.

  1. 1About you
  2. 2Your loan
  3. 3Verify

We send a one-time code to this number.

What happens after you submit

  1. 1

    Eligibility check

    We share your details with matching RBI-registered lending partners. This is a soft check and does not affect your credit score.

  2. 2

    Key Fact Statement

    If approved, the lending partner issues a Key Fact Statement with your exact APR, all charges and the full repayment schedule before you sign anything.

  3. 3

    Digital agreement & disbursal

    You sign digitally only after reviewing the KFS. Money reaches your own bank account, in as little as 10 minutes.

  4. 4

    Cooling-off period

    You may exit the loan within 3 days of signing by repaying the principal and proportionate APR, with no penalty.

CredBean is a brand of Privena Financial Services Private Limited. CredBean is a technology platform and does not lend on its own account. Loans are offered by RBI-registered lending partners. Interest from 14.5% p.a. reducing balance; processing fee up to 2%. Representative example: ₹75,000 for 18 months at 14.5% p.a. — EMI ₹4,661, total interest ₹8,902. Credit at sole discretion of the lending partner.