Need Instant Funds? Get a Personal Loan with CreditSea!

CreditSea Personal Loan App makes credit fast, easy, and hassle-free! Get an instant personal loan of up to ₹2 Lakhs directly in your bank account with minimal paperwork and a 100% online process.

CreditSea is a platform that facilitates Lending Partners authorized by RBI for the disbursal of loans.

Our Lending Partner:
Meghdoot Mercantile Private Limited (https://meghdootmercantile.com/)
RBI Registration Number : B-05.03357

What We Offer:

✅ Loan Amount: ₹5,000 - ₹2,00,000
✅ Interest Rates: 12% - 32.5% per annum
✅ Loan Tenure: 6 - 60 months
✅ Processing Fee: Up to 5.1% of the principal amount + GST
✅ Quick & Direct Transfer: Funds disbursed within minutes
✅ No Collateral Required: Get a loan without pledging any security
✅ Foreclosure & Part-Prepayment Available

Eligibility Criteria:

✔ Indian Citizen
✔ Minimum Age: 22 years
✔ Minimum Monthly Personal Income: ₹20,000
✔ Monthly Household Income: ₹25,000+
✔ Valid Identity & Address Proof (Govt. Approved)
✔ Aadhaar-linked Mobile Number
✔ Salaried Employee with Permanent/Regular Status
✔ At least 2 Months Work Experience in Current Company (for Salaried Employees)

Documents Required:

📜 PAN Card
💰 Income Proof (Bank Statements Reflecting Monthly Income)

Example of How a Loan Works:

💡 Loan Amount: ₹2,00,000 for 3 years
💰 Processing Fee: ₹8,260 (3.5% + GST + ₹500 Stamp Duty)
📉 Interest Rate: 24% p.a. (on reducing principal balance)
💳 EMI: ₹8,020 per month
📊 Total Payable: ₹2,88,720
📌 Total Interest Paid: ₹80,460
📈 Annual Percentage Rate (APR): 30.15%

Fees & Charges:

💳 Foreclosure Charges: 4% of Principal Outstanding* + GST
💰 Part-Prepayment Charges: 4% of Principal Prepaid* + GST
⚠ EMI Bounce Charge (1st Day): 4% of Principal Overdue* or ₹500 (whichever is lower)
📌 Penal Charges (2-180 Days): 36% p.a. on Principal Overdue (+ GST if applicable)
🔹 *Rounded to the nearest rupee

How to Apply for a Personal Loan on CreditSea:

1️⃣ Download the CreditSea Personal Loan App
2️⃣ Sign up & Complete Your Profile
3️⃣ Upload Required Documents (Bank Statement, etc.)
4️⃣ Select Loan Amount & Tenure
5️⃣ Receive Cash in Your Bank Account Instantly!

Our Privacy Policy : https://www.creditsea.com/privacy-policy
Our Terms and Conditions : https://www.creditsea.com/terms-and-conditions

Why CreditSea Loan App Needs the following Permissions:

Location - ACCESS_COARSE_LOCATION
Explanation: To collect and monitor the location of your device and access the serviceability of your loan application. This also helps in quicker credit risk decision and ensure KYC compliance as per guidelines of regulator

Camera access - CAMERA
Explanation: To capture KYC documents and selfie for liveness test and ensure KYC compliance as per guidelines of regulator

Application Requirements:

📱 Mobile Number
📧 Email
👤 Full Name
📅 Date of Birth & Gender
📇 PAN Card
🏢 Employment Type & Company Name
💵 Monthly Income
🏠 Address Proof (Permanent & Current Address)
📷 Selfie
📄 Bank Statement & Employment Proof (Salary Slip / Office ID / UAN - for Salaried Employees)
👨‍👩‍👧 Father/Mother/Spouse Name
📞 Reference Contact
🏦 Disbursement Bank Account Details
🔄 eNACH / UPI e-Mandate

💡 Why Choose CreditSea?
✔ Fast & Easy Loan Application
✔ Completely Digital Process
✔ Fast Loan Approval
✔ Quick Loan Disbursal
✔ No Hidden Charges
✔ Trusted by Lakhs of Users
✔ RBI-Registered NBFC Partner (Meghdoot Mercantile Pvt. Ltd.)

📲 Download the CreditSea Personal Loan App Now & Get Your Loan Approved Instantly! 🚀