Shopping Loan Online

Are you shopping freak? Well if you are, who is stopping you? Make the best use of festive sales, make your wardrobe trending and lift your mood with endless shopping.

With Home Credit Personal Loan works as shopping loans are for the shopaholics who do not have instant cash or enough saving to cater to their shopping hunger. You choose the credit limit and spend within that limit to pay it within a month before the due date.

Apply Now
  • Quick & Easy
  • 100% Paperless
  • Instant Online Approval upto INR 2 Lacs
  • No Hidden Charges
  • Quick Disbursal
users

Over 1 Crore

Satisfied Customers & Growing
map pin

300 + Locations

Across India
download button

31,000 +

Partner Shops

Documents & Eligibility

  • Proof of identity

  • Proof of identity

    PAN Card

  • NetBanking

  • NetBanking

    Mandatory

  • Age

  • Age

    19+ years

  • Income

  • Income

    Minimum 10000/month

  • Residential Address Proof

  • Residential Address Proof

    Indian Citizenship

Testimonials

Block "206241" not found

Get Loan Approval in 5 mins

Download Home Credit Loan App

Latest Articles on Personal Finance

financial crunch meaning what is financial crunch credit crunch financial problem financial crisis instant personal loan
How Can A Personal Loan Help You Avoid Financial Crunch In 2024?

Are you facing a financial crunch in 2024? If that’s the case, it’s crucial to thoroughly explore all available alternatives to

Aadhaar Virtual ID Benefits
Duplicate Aadhaar Virtual ID And its Benefits

Considering the protection of the individual information including the statistic and biometric data specified on the Aadhaar card, UIDAI has

covid 19
Duplicate Best Practices against COVID-19 Pandemic

The Government of India has been on the forefront to combat Covid-19 pandemic eversince it spread-out in the western part

Cibil Score Importance
Duplicate What is Cibil Score and Its Importance? [Updated-2020]

A CIBIL Credit report consists of all the particulars related to your borrowing history and the discipline of its repayment.

Personal loan
Does the Purpose of Personal Loan Affects Loan Approval?

When it comes to personal finance, taking a personal loan is often seen as a versatile solution to meet various

personal loan emi calculator
Easy Financial Planning with a Personal Loan EMI Calculator

Managing finances is an integral part of our lives, and at times, unexpected expenses or opportunities may arise that require

Personal loans
Can I Take Multiple Personal Loans at the Same Time?

In today’s fast-paced world, financial needs can arise unexpectedly. Whether it’s a medical emergency, home renovation, or debt consolidation, personal

Personal loans
Personal Loans in Metros v/s Non-metro Cities: Differences & Benefits

In the ever-evolving landscape of personal finance, individuals often find themselves in need of extra funds to meet various financial

credit card tips
How To Choose The Right Credit Card?

In a world where financial transactions are increasingly digitized, credit cards have become an indispensable tool for managing our day-to-day

Online Personal Loan with Instant Approval in 24 hrs Across India

Required documents

Listed below are some of the documents needed at the time of loan application.

ID proof: Passport, Driving licence, PAN card, Aadhar Card.
Address Proof: Documents should have your current residential address like Passport, Driving licence, PAN card, Aadhar Card, Utility Bills
DOB proof: A valid document showing your age. It can be a birth certificate or an educational document.
Bank statements: This is a decision making a document for getting the loan approval at the earliest as the bank decides the borrowers’ repayment capacity and the also checks the savings the person has.
Salary slips: Last three months’ salary slip for salaried person.
Certified balance sheet: For self-employed
Additional Documents ITR document, Form 16, Employment Letter, Documents Supporting Qualification, Income Proof

Home credit personal loans have the following document requirement.

  • PAN card of the individual
  • ID Proof: Voter ID, Passport, Driving License, etc.
  • Address Proof: Passport, Driving License, Ration Card, Passport, Aadhar Card, Utility Bills, etc.
  • Bank statement of the income account with net banking facility.

Carefully check the loan details like the interest rate, duration of extension, extra charges, EMIs etc. before finalising the loan offer, changes at a later stage might not be possible. Education is important, do not put it aside because of financial crunch. Our personal loan is for you.

Shopping Loan infographics

Why is the need for shopping loan?

  • Shortage of finances: Usually, a person takes this loan when he/she is short of finance/s and there is an unavoidable need for something. To fulfil the requirement, this: There is some sudden family occasion for which you need to buy formal clothes.
  • Nobel cause: You wish to help someone in need with shopping and other daily needed stuff.
  • Festival calling: Some festivals demand a big hole in your pocket. In order to avoid the disturbance in your routine, you take the loan and manage the sudden need with shopping loan.
    There can be times where you need to shop. Shopping doesn’t have to do with extravaganza, clothing, jewellery, footwears etc. but sometimes it is just the need. Quite similar to the usage of the credit cards, shopping loans have the amount transferred in your account to use it and pay it later. The time of repayment would not limit to a month but can extend up to 6 months or a year depending on your financial stability.

The Loan amount range from ₹25,000 to ₹5,00,000 and annual Interest rates vary from 18% - 56%. Loan duration range from 3 - 51 months. The processing fee is 2% to 5%, Value Added Services (VAS), fees for the same shall be levied additionally. *The annual interest rates and processing fee will vary as per the risk profile of the customers. The maximum APR can go up to 56% (However, only a fraction of our customers get an interest rate higher than 30% per annum).These numbers are indicative & subject to change.