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Instant personal loan app, credit-score & more!

OneScore is a credit score management and instant personal loan platform trusted by over 4 Crore Indians. Whether you need money for short term personal expenses, a long vacation, or to cover medical expenses, you can get an instant loan for any cash emergency with OnePL.

• Instant Loan Disbursal
• Easy Application
• No Collateral requirement
• Zero Documentation
• Flexible EMI options

How to avail of the best instant loan offer on OneScore

Build your credit worth by regularly tracking your credit score, & look out for the personalised best loan offer. Depending on your credit score, & other factors, you will receive instant approval for a personal loan through our app.

What’s more!

You can also use the EMI calculator within the app to plan your online loan EMIs & choose from the flexible repayment options.
Set up payment reminders so you never miss an EMI.

Eligibility Criteria for best online loan offer with OnePL

• A credit score of 730 & above
• Stable employment with monthly salary of >₹20,000
• Aadhaar and PAN card holder

OnePL features:

• Lending partners: Federal Bank, South Indian Bank, Kisetsu Saison Finance India (KSF)
• Loan Amount: Up to Rs. 5 Lakh
• Loan tenure: Minimum 6 months, maximum 48 Months
• Interest Rates: 12.5%-18.5% (for Federal bank), 15.9%-16.8% (For SIB), 13.5%-29.99% (For KSF)
• Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB, 1%-4% for KSF
• APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB), 16%-42% (For KSF)

Let's understand this with an example:

Assuming a personal loan of Rs. 50,000 with a 13% interest rate & a repayment tenure of 1 year. Here’s how your online loan disbursal amount would be calculated:

• Loan Amount - ₹50,000
• Tenure - 12 months
• Interest Rate - 13%
• EMI - ₹4,466
• Total Interest Payable - ₹4,466 x 12 months - ₹50,000 Principal = ₹ 3592
• Processing Fees (incl. GST) - ₹1179
• Disbursed Amount - ₹50,000 - ₹1,179 = ₹48,821
• Total Amount Payable - Principal + Interest + Processing Fees = ₹54,771
• Total Cost of the Loan = Interest Amount + Processing Fees = ₹3592 + ₹1179 = ₹4,771

*In case the loan is disbursed on or after the 6th of the month and your EMIs fall on the 5th of the month, there’s a gap of 29 days between your loan disbursal date & the first EMI. The interest rate charged for this period is called Broken Period Interest.

Why download OneScore?

• Get instant loans up to Rs 5 lakh with zero documentation & flexible EMI options.
• Check your Experian and CIBIL score instantly.
• Get notified about changes in your credit score. Stay in charge of your credit score with a simplified credit report & eliminate errors in real-time.
• Use the ‘Find out why feature’ to analyze your data and understand exactly why your Experian and CIBIL credit score has changed.
• Use the Score Planner to level up your credit score. Set a goal for yourself & achieve your ideal score with personalized insights.
• Have a low credit score? Use the simulator to get suggestions on how to improve your Experian and CIBIL score with good financial habits.
• Get a bird’s eye view of all your personal loan & credit card accounts.
• Report inaccuracies in your credit record with a simple click.

Why OneScore is different

End-to-End Credit Management Tool: One-stop solution for end-to-end credit management from building your credit score to availing instant personal loans at low-interest rates.

Safe & Secure: None of your information is shared with any third party or institution. Your data is safe with us.

email for help: onescorehelp@onescore.app. Do visit our website to contact us for any queries at https://onescore.app.
Our address: West Bay, S. No. 278 Hissa No. 4/3, Pallod Farms Phase II, Baner, Pune, MH IN 411045