Home Credit : Instant Loan App 3.135.2

The HCIN app offers an efficient solution for obtaining personal loans, with the potential to secure amounts up to ₹4,80,000 in a remarkably short time frame. The process requires minimal documentation, catering to both salaried and self-employed individuals. Interest rates start at 19.5%, with variability based on the borrower’s risk profile, and repayment options range from 6 to 48 months. The processing fees are competitively set between 0% and 5%.

Key Features:

1. The app exclusively services existing HCIN customers, facilitating loans with terms that suit diverse financial needs. An entirely online application process allows for loans up to ₹4.8 Lakhs with just two documents required.
2. For smaller financial requirements, the Flexible Loan option offers quick access to funds of up to ₹1,00,000, ideal for business expenses or emergencies. The interest rate for this flexible loan is set at a flat 39%, with repayments permitted at any point during a flexi limit period of up to 36 months.

Fees and Charges:

• Joining Fee: None
• Annual Renewal Fee: 2% of allocated credit limit
• Transaction Fee: 2.5% on each amount withdrawn

The HCIN platform extends beyond loans; customers can benefit from exclusive deals on electronics and household appliances through partner shops nearby.

Eligibility Criteria:

• Age: 18 to 60 years
• Nationality: Must be an Indian citizen
• Income Source: Salaried, pensioner, or self-employed individuals
• Bank Account Status: Active
• Relationship with HCIN: Must be an existing customer

Application Process:

1. Download the HCIN App
2. Register using your mobile number
3. Complete the Loan Application Form
4. Provide necessary personal details to finish your application
5. Receive Instant Approval and efficient fund disbursement within hours

Why Opt for HCIN?

• A trusted choice among over 1.7 Crore satisfied customers
• Access to more than 53,000 partner shops
• An extensive presence in over 600 cities across India

Representative Example:

A Flexible Loan limit of ₹50,000 with a ₹10,000 withdrawal for one month would incur:

• Joining fees: ₹0
• Transaction Fee: ₹250 (2.5% of withdrawal amount)
• Interest: ₹320.5 (calculated on the withdrawal amount and transaction fee)
• Total Repayment Amount: ₹10,570.50

The HCIN platform emphasizes customer safety by employing top-notch security and privacy measures to safeguard user information, ensuring a secure borrowing experience.

Contact Information:

• Email: [email protected]
• Phone: +91-1246628888 (Available from 9:00 AM - 6:00 PM, all days)