Compare offers from top RBI-registered lenders — all in one place. Apply once, compare partner offers, and choose the lender that works for you. Creditko is not a lender.
Explore personal loan options based on the amount you need.
Four steps from your details to a lender decision.
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Complete Profile
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Apply with a Lender
We make borrowing simple, fast, and transparent.
Get matched quickly; final approval is decided by the lender.
Compare partner offers and review the final terms before applying.
Complete the comparison journey online with minimal paperwork.
Your data is protected and shared with a lender when you choose to apply.
Estimate your EMI. The actual rate, tenure, and repayment may vary by lender.
Quick answers about comparing loans on CreditKo.
CreditKo is a loan comparison marketplace. You enter your details once, and we show you offers from our partner banks and NBFCs so you can compare and choose. CreditKo is not a lender and does not give loans directly.
Yes. We only list RBI-registered partner banks and NBFCs, and CreditKo never asks you for an OTP, PIN, or any payment to release a loan. Your details are shared with a lender only when you choose to apply. Before you accept an offer, check the lender's name, interest rate, and fees on their own page. If something looks wrong, write to support@creditko.in. Our Privacy Policy and Terms are linked in the footer.
Comparing offers on CreditKo is FREE.
Eligibility is set by each lender. Usually you need to be an Indian resident with a regular income, a valid PAN, Aadhaar, and a bank account. Age limits and minimum income differ from lender to lender.
Typically PAN, Aadhaar, a bank statement or salary slips, and a selfie for KYC. The exact list depends on the lender and the loan amount.
Some lenders approve within minutes and disburse the same day. Timing depends on the lender and on how complete your documents are. Final approval is always the lender's decision.
Yes, if a partner lender offers small-ticket loans for your profile. Choose your amount on the homepage to see matching options.
Rates start at 9.99%* p.a., but your rate depends on your profile, income, credit history, and the lender. Check the APR, processing fee, late payment charges, and prepayment charges on the lender's page before you accept. Example: a ₹1,00,000 loan for 12 months at 12% p.a. has an EMI of about ₹8,885 and a total repayment of about ₹1,06,619, before any fees.
Checking and comparing offers on CreditKo does not affect your CIBIL score. If you choose a lender and continue with their application, that lender may run a hard credit enquiry. A hard enquiry may impact your score.
You can still check offers. Some lenders serve new-to-credit and lower-score borrowers, usually at higher rates or smaller amounts. Approval is not guaranteed.
No. The calculator gives an estimate. Your actual EMI depends on the rate, tenure, and fees the lender offers you.
We use your number to verify you, show matching offers, and send updates about your application. You can ask us to stop contacting you at any time by writing to support@creditko.in.
Email support@creditko.in and we will get back to you. For a complaint about a lender, you can also contact that lender's grievance team.