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Public preview — no real loans. Rates shown are examples, not offers, and applications aren't sent to a lender. Learn more

Enjoy the Credit
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100% online · No branch visit · Money to your bank account

Personal loans from ₹5,000 to ₹1,00,000

Apply from your phone, see every rupee you'll pay before you agree, and repay in one go in 15 to 90 days.

Check eligibility Calculate repayment
  • No impact on your credit score to check
  • All charges shown upfront
  • Data encrypted & never sold

Loan at a glance

Example figures: interest 30.00% p.a. plus a one-time processing fee and GST. The lending partner will publish approved terms before launch. Full product details

Before you apply

Who can apply, and what you'll need

Who can apply

  • Indian resident aged 21–58 years
  • Salaried in a full-time job
  • Take-home salary of ₹25,000 or more a month
  • Salary credited to a bank account in your own name
  • Existing EMIs well within your income
Check if you're eligible

Documents you'll need

  • PAN cardYour PAN number, entered in the form.
  • Latest salary slipsYour most recent salary slip (up to the last 3 months).
  • Salary account statement Only if asked
  • Address proof (if different from KYC) Only if asked

PDF, JPG or PNG, up to 5 MB each. Upload straight from your phone.

Loan calculator

Know your repayment before you apply

Move the slider to see the interest, processing fee, GST, the money you get and the total you repay.

How much do you need?

Move the slider or type an amount. Everything updates instantly.

₹5,000₹1,00,000
Repay in

Your estimate

Illustrative example

You repay

₹25,616.44

on 2 December 2026 · you receive ₹24,410.00 in your bank account

Loan amount (principal)
₹25,000.00
Interest (30.00% p.a. × 30 days)
₹616.44
Processing fee
₹500.00
GST on processing fee
₹90.00
Amount paid to your bankPrincipal minus fee & GST (₹590.00)
₹24,410.00
Annual Percentage Rate (APR)All-in yearly cost including fees
60.13%
Total amount to repay₹25,616.44

One payment due on Wednesday, 2 December 2026

This is an estimate using illustrative example pricing, not an offer. The lender sets your final amount, rate and fees after verification, and shows them in a Key Facts Statement before you agree to anything.

Apply for this amount Check eligibility first

Want the full assumptions? Open the detailed calculator

How it works

Get a loan in 4 simple steps

Checking eligibility is a preliminary step only. The lender decides after verification, and approval is never guaranteed.

  1. Step 1: Check eligibility

    Answer six quick questions about your age, location, work and income. No documents and no credit check.

  2. Step 2: Complete your application

    Verify your mobile, add your details and choose an amount. Progress saves after every step, so you can finish later.

  3. Step 3: Verify & review your offer

    The lender verifies your identity, income and credit history. If approved, you'll get a Key Facts Statement with every term.

  4. Step 4: Accept only if it suits you

    Accept the disclosed terms if they're right for you. The lender pays your own bank account, and a cooling-off period applies.

Start your application

Our lending partner

Loans are provided by [To be confirmed: name of the RBI-regulated lender], which makes every credit decision. Enjoy the Credit is the digital platform you apply through.

Lender details

Why Enjoy the Credit

A loan you fully understand

We built Enjoy the Credit around one idea: you should understand a loan completely before you take it.

Our responsible lending approach
A blue shield with a tick, a document under a magnifying glass and a padlock: transparent costs and protected data

Inspect every cost

Interest, fees, GST and APR are shown separately before you apply, and confirmed in your Key Facts Statement before you accept.

Fees and charges

Review before you sign

Every document is available to read and download before acceptance, and a cooling-off period lets you exit without penalty.

Cooling-off rights

Protect your information

Encrypted storage, no access to contacts or files, consent recorded for every purpose, and the right to request your data.

Privacy policy

Know where you stand

Your dashboard shows each status update from the lender — never a guess or a countdown — and what you need to do next.

Your dashboard

Reach a real person

Ask a question or raise a complaint at any time and get a reference number straight away.

Contact support

Escalate if needed

Unresolved after 30 days? You can escalate to the RBI Integrated Ombudsman. We explain exactly how.

Grievance redressal

Questions

Frequently asked questions

Can't find what you need? Search the Help Centre or contact our support team.

Visit the Help Centre
Who can apply?
The product is designed for salaried individuals living in India who receive their salary into a bank account in their own name. The exact age, income and other criteria are set by the regulated lender — you can see the current preliminary criteria on our Eligibility page.
Does passing the eligibility check mean I'm approved?
No. The eligibility check only compares your answers with the lender's disclosed preliminary criteria. The lender makes the final decision after verifying your identity, income and credit history. Approval is never guaranteed.
What documents do I need?
Your PAN, your most recent salary slip, and — only if the lender asks — your salary account statement or an address proof. You'll see exactly what's required, and why, before you upload anything. Aadhaar is not required by default.
What is APR and why is it higher than the interest rate?
The Annual Percentage Rate (APR) is the total yearly cost of the loan, including interest and fees such as the processing fee and GST. Because the fee is deducted from the amount you receive but you repay the full principal, the APR is higher than the interest rate alone. Comparing APRs is the fairest way to compare loans.
How long does a decision take?
It depends on how quickly your details can be verified by the lender. You can track every stage in your dashboard, and we'll tell you as soon as the lender updates your application. We don't promise instant approval or instant money.
When do I repay?
The product is repaid in a single payment at the end of the term. Example terms shown here are 15, 30, 45, 60, 90 days. Your exact due date is fixed in your Key Facts Statement and shown in your dashboard, counted from the day the money is paid to you.
Can I cancel the loan after I receive the money?
Yes. During the cooling-off (look-up) period stated in your KFS, you can exit the loan by repaying the principal and the proportionate cost (APR) for the days you held the money, with no penalty. You can start this from your dashboard.

See if you can get a loan

Six short questions. No documents, no credit check, no effect on your credit score.

Check eligibility Calculate repayment