Credit+ review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Credit+ suits salaried professionals with a good credit score who want a personal loan for home improvement funded quickly. Disbursement takes 15-20 minutes, the rate is variable and early repayment is free, but processing charges of 5% to 7% come off the loan before it reaches your account.

Key facts

Best for
A salaried professional who needs a home improvement loan funded quickly.
APR
0.1% to 0.5% (Source, checked September 26, 2026)
Loan amount
₹8,000 to ₹35,000 (Source, checked September 26, 2026)
Term
91 months (Source, checked September 26, 2026)
Arrangement fee
5% to 7% processing charges, deducted from the loan at disbursement (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
15-20 minutes (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Indian citizens aged 18-55, salaried professionals, minimum monthly salary INR 20,000, salary credited to an active bank account, minimum credit score 680 (Source, checked September 26, 2026)
Origination fee (%)
5% to 7% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Credify Technologies Private Limited (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
credittnow.com

Apps and profiles

Elsewhere
LinkedInXindusappstore.com

Pros and cons

Pros

  • The standout feature is same day funding, with 15-20 minutes from approval to your account.
  • Early repayment is free, so a windfall can clear the balance early.
  • It is a direct lender, so one party handles the application and the payout.
  • Support covers email, phone and help centre, so help is there by email, phone or the help centre.

Cons

  • Processing charges of 5% to 7% come off the loan at disbursement, so the approved amount never reaches you in full.
  • The rate is variable, so instalments can move with the market rather than staying level.
  • The credit check is hard, so a search sits on your file.
Credit+

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Salaried professionals whose salary is credited to an active bank account.
  • Borrowers who need the money quickly for home improvement work.
  • Anyone comfortable with a good credit score and the eligibility rules.

Who should look elsewhere

  • Monzo Flex, whose rate of 10% to 23% sits in a different market and currency.
  • Cashspace, at PHP 12 to PHP 36, if a published rate band is easier to weigh than a variable rate.
  • Cashspace ES, where the listed rate of 0% is worth checking first if you can qualify.

Who runs it

Credit+ is run by Credify Technologies Private Limited, with headquarters in India. Lending is carried by Aureus Finvest Private Limited and Sampati Securities Limited, each registered with the Reserve Bank of India as a non-banking finance company, under registrations B.05.05217 and 01.00214. Customer contact runs on email, phone and help centre.

How Credit+ compares

Where Credit+ is available

Available
India
Licence in India
Reserve Bank of India (NBFC registration, Aureus Finvest Private Limited) (B.05.05217), checked September 26, 2026
Licence in India
Reserve Bank of India (NBFC registration, Sampati Securities Limited) (01.00214), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a Credit+ loan?+

The quoted rate is 0.1% to 0.5% and the rate type is variable, so instalments can move with the market over the 91 month term rather than staying level throughout. The rate is set for each borrower at application, so an offer can differ from the headline band.

How much can I borrow?+

Loan amounts run INR 8,000 to INR 35,000, which suits a mid-sized renovation or a mix of costs rather than a property purchase. The figure you receive is set against your salary and credit file at application, and the balance is repaid over a term of 91 months.

What fees come off my loan?+

Processing charges of 5% to 7% are taken from the loan itself when it is disbursed, so the amount credited to your account is lower than the amount approved. That percentage is the arrangement charge quoted, and on a smaller loan it takes a larger share of what you receive.

How quickly does the money arrive?+

Funding is a same-day feature, same day funding, with disbursement taking 15-20 minutes once the application is approved. The clock starts after approval rather than after you submit, so the credit check and document verification sit in front of that window.

What credit score and credit check do I need?+

You need a good credit score, and the check is hard, so a search is made on your file. Applicants must be Indian citizens who are adults and salaried professionals, with salary credited to an active bank account and a minimum monthly salary.

Is Credit+ regulated?+

Lending is delivered by Aureus Finvest Private Limited and Sampati Securities Limited, each holding a Reserve Bank of India non-banking finance company registration numbered B.05.05217 and 01.00214. The operator is Credify Technologies Private Limited, based in India.

Can I repay the loan early?+

Early repayment is free, so clearing the balance before the end of the 91 month schedule carries no charge. A salaried professional expecting a bonus can use it to shorten the term and cut the total interest paid across the loan.

What kind of lender is this?+

Credit+ is a direct lender, so the party you apply to is the party that funds you. The product is personal borrowing, marketed mainly for home improvement work, and quick payout is the main reason to apply straight to a lender rather than through a marketplace.

Sources

  • credittnow.com checked September 26, 2026

    Backs: Loan amount, Eligibility, Term, Use cases, Licences

    “Loans ranging from ₹8,000 to ₹35,000”

  • credittnow.com/faq checked September 26, 2026

    Backs: APR, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Support channels

    “Though Creditt+ charges interest rate on a daily basis between 0.1% to 0.5% based on your Credit Profile with Creditt+”

  • credittnow.com/instant-personal-loans checked September 26, 2026

    Backs: Credit check, Credit needed, Features, Free early repayment

    “A minimum Credit Score of 680.”

  • credittnow.com/policy checked September 26, 2026

    Backs: Headquarters, Legal entity

    “registered office at 205, 2nd Floor, Embassy Centre, Nariman Point, Mumbai, Maharashtra, India - 400021”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Credit+

Credit+

A salaried professional who needs a home improvement loan funded quickly.

9.2/10See alternatives

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