KreditBee review

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

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Our verdict

KreditBee suits Indian borrowers with a thin credit file who need money quickly, at a cost that sits high on this site. Interest is quoted at 12% to 27.5% for loans of INR 6,000 to INR 1,000,000, and About 10 minutes from registration to disbursal once you register.

Key facts

Best for
A personal loan the same day for borrowers with a thin credit file.
APR
12% to 27.5% (Source, checked September 26, 2026)
Loan amount
₹6,000 to ₹1,000,000 (Source, checked September 26, 2026)
Term
6 to 60 months (Source, checked September 26, 2026)
Arrangement fee
Processing fee up to 4.7% + GST (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
About 10 minutes from registration to disbursal (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Indian citizen aged 21-60 with minimum monthly income INR 10,000 and household income above INR 25,000 (Source, checked September 26, 2026)
Origination fee (%)
4.7% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Secured, Business (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
KrazyBee Services Limited (Source, checked September 26, 2026)
Headquarters
India (Source, checked September 26, 2026)
Support channels
Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
kreditbee.in

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Repaying early is free, so a lump sum clears the balance and cuts the interest owed.
  • Terms of 6 to 60 give room to match the repayment to your income.
  • A soft prequal credit check, aimed at applicants who do not want a hard search on file.

Cons

  • Expensive: interest runs at 12% to 27.5% with Processing fee up to 4.7% + GST on top.
  • Support runs on help centre only, with no phone line listed.
  • As a marketplace, the decision and the rate sit with the lender rather than the platform.
KreditBee

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Scored 8.4 / 10 by BorrowCue.

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Who it suits

  • Indian citizens with a minimum monthly income and a household income above the stated threshold.
  • Borrowers whose credit is poor, who value quick disbursal and free early repayment more than the lowest rate.

Who should look elsewhere

  • Anyone chasing the cheapest cost: Cashspace ES shows an APR of 0%.
  • Borrowers who want another lender band to compare against: Monzo Flex prices at 10% to 23%.
  • Borrowers who want a phone line rather than a help centre: support here runs on help centre only.

Who runs it

KreditBee is operated by KrazyBee Services Limited, with its base in India. Applicants deal with the platform rather than a named lender, and account questions are handled through the help centre rather than a phone line. The same help centre covers questions before a loan is drawn down and after it is repaid.

How KreditBee compares

Where KreditBee is available

Available
India
Licence in India
Reserve Bank of India, checked September 26, 2026

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

Frequently asked questions

What interest rate will I pay on a KreditBee personal loan?+

Interest is quoted at 12% to 27.5%, and offers sit inside that band. Repayments run over 6 to 60, so a longer term lowers the monthly figure but raises the total repaid. As a marketplace, the rate you get depends on which lender the platform puts you with.

What fees does KreditBee charge for arranging a loan?+

The stated charge is Processing fee up to 4.7% + GST, and it applies to the personal loan. Set against 12% to 27.5%, that fee makes short, small loans expensive in proportion, so weigh the total repayable rather than the monthly figure.

How much can I borrow and over what term?+

Personal loans run to INR 6,000 to INR 1,000,000, with terms of 6 to 60, and the listed use case is home improvement. The same platform also offers a credit line, a secured loan and a business loan, so a larger need can go through a different product. What you are offered depends on the lender you are matched with.

Will applying to KreditBee affect my credit file?+

The credit check is soft prequal, the softer end of a credit application, and the product is aimed at borrowers whose credit is poor. A thin file is the target here rather than a hurdle, which is part of why 12% to 27.5% sits where it does.

Who can apply for a KreditBee loan?+

Applicants must be Indian citizens within the age range set on the site, with a minimum monthly income and a household income above the stated threshold. That income floor rules out applicants with irregular earnings, and the poor credit profile means a thin file is expected here.

How quickly does KreditBee send the money?+

Speed is the selling point: About 10 minutes from registration to disbursal, counted from registration through to disbursal. Same-day funding sits alongside a credit line, so a repeat borrower can draw on an existing limit instead of applying afresh. That matters more when 12% to 27.5% is high.

Can I repay a KreditBee loan early without a charge?+

Yes. Early repayment is free, so clearing the balance early costs nothing extra and cuts the interest you would have paid on the rest of the term. That is worth doing on a 12% to 27.5% product, where the cost of carrying the balance is high.

Which regulator is listed for KreditBee, and what does the platform do?+

KreditBee is listed under the Reserve Bank of India, and it is a marketplace run by KrazyBee Services Limited in India. As a marketplace it passes your application to partner lenders rather than approving it, so the rate and terms come from the lender.

Sources

  • kreditbee.in checked September 26, 2026

    Backs: Credit check, Eligibility, Features, Free early repayment, Funding time, Headquarters, Legal entity, Lender type, Loan types, Support channels, Licences

    “Check eligibility by providing basic details; you'll receive an SMS upon successful eligibility.”

  • kreditbee.in/personal-loan checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Arrangement fee, Origination fee (%), Term, Use cases

    “Loans from ₹6,000 to ₹10 Lakhs”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

KreditBee

KreditBee

A personal loan the same day for borrowers with a thin credit file.

8.4/10See alternatives

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