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.

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  • Quick & Easy
  • 100% Paperless
  • 0% Processing Fees
  • Instant Online Approval upto INR 2 Lacs
  • No Hidden Charges
  • Quick Disbursal

Documents & Eligibility

  • Proof of identity
  • Proof of identity

    PAN Card

  • NetBanking
  • NetBanking


  • Age
  • Age

    Must be above 19 years of Age

  • Income
  • Income

    Minimum 10000/month

  • Residential Address Proof
  • Residential Address Proof

    Indian Citizenship


How to apply


Download Home Credit Loan App

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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 ₹2,00,000 and annual Interest rates vary from 19% - 49%. Loan duration range from 6 - 36 months. The processing fee is 0% to 5%, Value Added Services (VAS), fees for the same shall be levied additionally. REPRESENTATIVE EXAMPLE: For a loan of ₹25,000 granted at an Annual Interest rate of 19% for a tenure of 12 months, then the overall amount payable will be ₹29750* only. Note: *These numbers are indicative and subject to change from time to time. Further, final interest rate or processing fee may vary from one user to another depending on his/her credit assessment.