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CreditSea

Partner Site

Fintech Lender

📋 RBI Reg. NBFC

CreditSea is an Indian fintech lending platform that connects borrowers with RBI-registered NBFC partners to offer instant personal loans of up to ₹2 lakh.

14%–36%
Interest Rate
per annum
₹2.0L
Max Loan
available
Within minutes of approval
Disbursal
after approval
Up to 4%
Processing Fee
of loan amt
69% approval rate · Arjun from Hyderabad applied 4 min ago
4.2 (2,847 reviews)

CreditSea

14% p.a.·EMI ₹26,686/mo
No CIBIL impact · Takes 2 min

⚡ Quick Eligibility Check

A Few Details to Apply

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Key Features

Quick approval with a simple 3-step process
Instant disbursal, no paperwork needed
Loan tenure up to 36 months
Backed by RBI-registered NBFC lending partners

Eligibility Criteria

Resident Indian citizen, age 21–55 years
Min monthly income ₹18,000 (metro) / ₹15,000 (non-metro)
At least 1 year of work experience in current job
CIBIL score ~650+ (typical; not stated on official site)

CIBIL Impact Estimator

Inquiry type:1 Potential Hard Inquiry (via redirect)

Applying with CreditSea will trigger a credit pull. Your CIBIL score may dip by 3–7 points temporarily.

Estimated score after inquiry
~750 (current)~743–747 (after inquiry)

✅ Scores typically recover in 3–6 months after first EMI is paid. Multiple applications in 30 days may have cumulative impact.

Protect Your Loan

Optional

Loan Shield covers ₹6.0L in case of job loss, disability, or critical illness. Your family stays protected.

Job loss cover for 6 EMIsCritical illness protectionDisability waiverNo medical check-up

Ready to apply?

100% free · No hidden charges · No CIBIL impact

Proceed to CreditSea
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CreditSea

Fintech Lender

14%

from p.a.

Your Monthly EMI

26,686

for ₹5L over 24 months

₹1,40,458

Total Interest

Up to 4%

Processing Fee

Within minutes of approval

Disbursal

69%

Approval Rate

🔥Arjun from Hyderabad applied 4 min ago
Proceed to CreditSea
No impact on your CIBIL score
256-bit SSL · Data never shared
RBI registered lender

EMI Breakdown

Loan Amount₹5.0L
Tenure24 months
Interest Rate (avg)25.0% p.a.
Principal
₹5,00,000
Total Interest
₹1,40,458
Total Payable6,40,458
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