KreditBee Review: Is it the Best Instant Personal Loan App in 2023?

I am writing this review according to my recent experience with the KreditBee app. The app is user-friendly and you can easily apply for an instant personal loan from this KreditBee app.

KreditBee app provides you with personal loans starting from Rs. 1000 to Rs. 2 Lakhs. You can easily apply for a loan from home or your office.

I had a very urgent requirement so I applied from my office and with minimum documentation, I received my expected amount in my account.

So, my motive for writing this review is to help other people who will have an urgent requirement for a loan they can easily borrow from the KreditBee app.

This app is very helpful for people like us who have some urgent requirements for money and also not wanted to borrow from our friends and family.

So, in such a situation, this app is the best instant loan-providing app.

Let me tell some good points of the KreditBee app, please read it carefully:

Main Features of KreditBee

  • The loan amount provided by KreditBee: As per my research the loan amount varies from Rs. 1000 to Rs. 2 lakhs. This amount one can use for their expenses they may include a medical emergency, shopping, vacation costs, home renovation, pre-wedding shoots, wedding expenses, and in many more situations this app is very helpful for us.
  • Easy online application for KreditBee app: It is a very simple digital platform where one can online apply for a personal loan and they will get funds easily in a short period.
  • Flexible tenure: The KreditBee has flexible tenure for the personal loan and it varies from 2-15 months. It all depends on the person’s profile.
  • Minimum Documentation: For taking the personal loan from the KreditBee app you do not require long multiple documents, for availing of the KreditBee personal loan you just required some basic documents. What documents you needed to upload over the application.

Types of KreditBee Loan

While studying about KreditBee personal loan I get to know that there are 3 different kinds of personal loan provided by the KreditBee app and they are discussed below:

  • Personal loan for salaried: This loan is issued for the people like me who are working professionals and in some cases, we require some instant funds for dealing with a financial emergency. The loan that is provided by the KreditBee app varies from Rs. 10.000 to Rs. 2 lakhs. The tenure KreditBee is ranging from 5 to 15 months. The KreditBee loan process is digital, user does not need to stand in a queue and wait for their turn.
  • Flexi personal loan: The KreditBee provides a Flexi personal loan which can offer a loan for a low amount that starts from Rs. 1000 to Rs. 10,000 with the shorter repayment tenure.
  • Online purchase loan: The online purchase loan is also called a shopping loan and this is also provided by the KreditBee app. This online shopping loan allows you to purchase a mobile phone, furniture, make-up kits, new clothes, flight tickets, etc from the leading online shopping g portals like Amazon, Flipkart, Myntra, MakeMyTrip, Nykaa, etc. For using this opportunity, you are required to apply for the e-voucher on the KreditBee, and when you receive the e-voucher you can use it to buy any product from the KreditBee ‘s partner online e-commerce portal. You are also getting the option to repay the loan or e-voucher amount by the no-cost EMI route.

Interest Rate For KreditBee Flexi & Personal Loan

Product TypeInterest Rate
Personal Loan for Salaried  Starts from 12.24%
Flexi personal loan18% to 29.95%
Online purchase loan0 to 24%

Eligibility Criteria for KreditBee Instant Loan

Let me discuss with you that what are eligibility criteria for getting the KreditBee Personal Loan instantly:

When it comes to getting a personal loan, a loan interest calculator is an essential tool for determining your repayment plan. EMI stands for “equated monthly installment”, and it is the amount of money you will be required to pay back each month to repay your loan. An EMI calculator will help you understand how much you will need to pay each month, how much interest you will be charged, and how long it will take to pay off your loan. 

Personal Loan For Salaried

  • The person who is applying for a KreditBee personal loan for salaried must be at least 21 years old and the maximum age can be 45 years old while applying for a loan.
  • You should have more than Rs. 15,000 monthly income
  • You must be working in your present company for at least 3 months

Flexi Personal Loan For Self-Employed

  • The person who is applying for a KreditBee Flexi personal loan must be at least 21 years old and the maximum age can be 45 years old while applying for a loan.
  • You should have more than Rs.10,000 monthly income

Documents Required for KreditBee Instant Loan

While applying for KreditBee Instant personal loan below are some basic documents that are required for applying for both kinds of loans:

Personal Loan for Salaried

  • PAN Card
  • Address proof: Aadhaar Card, Voter ID Card, Passport
  • Bank statement of salary account
  • Salary slips

Flexi Personal Loan

  • PAN Card
  • Address proof: Aadhaar Card, Voter ID Card, Passport

How you can check KreditBee Personal Loan Application Status?

Here, in this section I will explain to you how you can check the status of your loan application status:

  • If you wanted to take the loan from KreditBee, you are required to download the KreditBee App from the play store and this app is available for android and IOS users.
  • The user can check the status of a personal loan application on the KreditBee app by using their login credential.
  • User can also contact their customer care department by using 080-44292200 number and they can also provide you with information regarding the status of their loan application.

KreditBee Login – Steps

For the users who are going to use this app first time, I have discussed the whole process of how one can easily log in to the KreditBee Portal. Please follow the below-given steps:

  • If you are a new user then you need to register yourself over the website by using the Signup page.
  • If you have already signed up you needed to sign in to the app by using your login id and password.
  • You can also log in just by using Facebook or by using a Google id password.
  • Or you can log in by using your registered mobile number.

How to Apply for Instant Loan at KreditBee App?

Here, in this section I am going to share very simple steps for applying for a personal loan at the KreditBee app please follow the below-given steps carefully:

Click here and Apply to Get Discount on Processing Fee

  1. First, you need to sign up by using your Google or Facebook.
  2. Secondly, you need to check your eligibility by entering your basic information.
  3. If you are eligible then you can apply for getting Instant Loan.
  4. Upload your documents.
  5. Get your profile to be verified.
  6. After that, you need to provide your bank details.
  7. At the last step, you can avail your loan in your bank account.

KreditBee Customer Care Number For Complaint

If you have any complaints or any queries you can easily contact customer care of KreditBee. Below I have discussed email id, and phone using that you can easily contact the customer care department of KreditBee:

  • If you need any help or have a complaint then you can contact 080-4429-2200 phone number and calls are chargeable it’s not a toll-free number.
  • If you need to have a conversation with their customer care executive you can contact them by using their email id which is [email protected]
  • There is one more way to contact KreditBee by using the contact form available on their website


In this article, I have tried to provide all the necessary information that is necessary to be known before applying for the KreditBee Instant Personal Loan. All the things that I have discussed above are carried out by research and information is carried out from my own experience.

KreditBee is the best application for getting an Instant Personal Loan.

We are also launching an Instant Personal Loan App like this. Where you will get a fast & affordable loan at your fingerprint. With the BankR Instant Personal loan app, you can easily apply for a cash loan through your Aadhaar and Pan Card within minutes.

FAQs (Frequently Asked Questions)

Q1. Is a person allowed to reapply for the loan if it is previously rejected?

Yes, a person can reapply for the loan within 3 months of their previous application even if it was previously rejected.

Q2. Is there any customer care number for KreditBee?

Yes, 080 44292200 is a customer care number for KreditBee.

Q3. Is there any maximum age eligibility for applying for a loan at KreditBee?

Yes, the maximum age for applying for a loan is 45 years.

Q4. Are there any income criteria for applying for a Flexi Personal loan?

Yes, one should have at least an income of Rs. 10,000 per month.

Q5. Is Facebook or a google account necessary for using KreditBee App?

Yes, Facebook or a Google account is necessary for using the KreditBee App.

Q6. How one can repay the personal loan amount?

One can repay the personal loan by using internet banking, online payment through debit card, bank transfer, or by PayTM wallet.

Q7. How one can reschedule the EMI date?

At KreditBee this facility is not available, so a person cannot reschedule their EMI date.

Q8. Are there any minimum age criteria for applying for a loan at KreditBee?

Yes, the person who is applying for a loan should be 21 years old.

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