🇮🇳 Trusted Across India

Fast Loans &
Smart Finance
at Your Fingertips

Personal Loans, Car Loans, Loan Against Car & Insurance — lowest rates, quick approval, zero hassle.

Apply in 2 Minutes Check EMI
₹500Cr+Loans Disbursed
50,000+Happy Customers
10.5%Starting Rate

Get Your Loan Offer in Minutes

🔒 100% secure · No spam calls · Free eligibility check

Our Products

Everything You Need, One Place

Choose from our range of financial products tailored for every Indian's needs.

💼
From 10.5% p.a.

Personal Loan

Instant personal loans up to ₹40 lakhs for any purpose — medical, travel, wedding or home renovation.

Apply Now
🚗
From 13.5% p.a.

Used Car Loan

Drive your dream car today. Get up to 95% financing on pre-owned cars with minimal paperwork.

Apply Now
🔑
From 12% p.a.

Loan Against Car

Unlock funds using your existing car as collateral. Keep using your car while getting instant liquidity.

Apply Now
⬆️
From 11% p.a.

Top Up Loan

Already have a loan? Get additional funds on top of your existing loan with no extra collateral.

Apply Now
🛡️
Starting ₹2,072/yr

Car Insurance

Comprehensive and third-party car insurance. Compare 20+ insurers and get the best policy instantly.

Get Quote
Simple Process

Get Your Loan in 4 Easy Steps

We've made the loan process as simple as ordering food online.

1

Fill the Form

Share basic details — name, income and loan requirement. Takes under 2 minutes.

2

Check Eligibility

Instant eligibility check across 30+ lenders. Zero impact on your credit score.

3

Choose Best Offer

Compare interest rates, EMI and terms. Pick the offer that suits you best.

4

Get Disbursement

Upload documents digitally. Money in your bank within 24–48 hours.

EMI Calculator

Plan Your
Repayments

Use our free EMI calculator to plan your loan repayment and find the best tenure for your budget.

Processing Fee
As low as 1%
Prepayment
Zero Charges
Loan Amount ₹5,00,000
Interest Rate 12% p.a.
Loan Tenure 36 Months
Your Monthly EMI
₹16,607
Principal₹5,00,000
Total Interest₹97,849
Total Payable₹5,97,849
Why Choose Us

The Express Credit Hub Difference

We work with 30+ leading banks and NBFCs to get you the best deal.

⚡

Instant Approval

Get loan approval within minutes. Our AI-powered system processes applications 10x faster.

📊

Best Rate Guarantee

We compare 30+ lenders and show you the lowest interest rate available for your profile.

🔒

100% Secure

Bank-grade 256-bit encryption. Your data is safe and never shared without consent.

📱

Fully Digital

Apply, upload documents and track your loan — all on mobile. No branch visits needed.

🤝

Dedicated Support

A dedicated loan advisor guides you through every step. Available Mon–Sat 9AM to 7PM.

📋

Minimal Documents

Just Aadhaar, PAN and 3 months salary slip. No lengthy paperwork or guarantors.

Customer Reviews

Trusted by 50,000+ Indians

Don't just take our word for it — hear from our happy customers.

★★★★★

"Got my personal loan of ₹8 lakhs approved in just 4 hours! The process was fully online and the interest rate was better than what my bank offered."

RK
Rahul KapoorSoftware Engineer, Bengaluru
★★★★★

"Used car loan was processed faster than I expected. My advisor was very helpful and helped me get the best deal. Highly recommend Express Credit Hub!"

PM
Priya MehtaBusiness Owner, Mumbai
★★★★★

"Loan against my car was approved in 24 hours. Got ₹3.5 lakhs while still using my car daily. Excellent service and transparent process."

AS
Amit SharmaDoctor, Delhi
Eligibility

Who Can Apply?

Simple eligibility criteria to ensure most Indians qualify for our loan products.

  • ✓
    Age: 21–65 years at loan maturity
  • ✓
    Income: Minimum ₹15,000/month (salaried) or ₹2 lakh annual turnover (self-employed)
  • ✓
    Employment: Minimum 6 months at current job or 2 years in business
  • ✓
    Credit Score: 650+ preferred (we also have options for lower CIBIL scores)
  • ✓
    Residence: Indian citizen residing in India
  • ✓
    Bank Account: Active savings account for 6+ months

Documents Required

Just 4 basic documents needed for most products:

🪪 Aadhaar Card 📋 PAN Card 💰 Salary Slips (3 months) 🏦 Bank Statement (6 months) 📸 Passport Photo 🏠 Address Proof 🚗 RC Book (for car loans) 📊 ITR (for self-employed)

Not sure if you qualify?

Ready to Get Started?

Join 50,000+ Indians who got their loan through Express Credit Hub. Apply now — it's free!

By submitting, you agree to our Privacy Policy. No spam calls.

FAQ

Frequently Asked Questions

Everything you need to know about our loan products.

You need a minimum monthly salary of ₹15,000 for a personal loan. Self-employed individuals need to show annual business turnover of at least ₹2 lakhs. We work with multiple lenders who have different criteria, so even if you don't qualify with one, you may qualify with another.
For personal loans with complete documents, disbursement can happen within 24–48 hours. Used car loans may take 2–3 working days due to vehicle verification. Loan against car typically takes 24 hours. We work to get you funds as fast as possible.
Checking your eligibility on our platform does NOT affect your CIBIL score — we do a soft inquiry. A hard inquiry (which temporarily affects your score by a few points) only happens when you formally apply with a lender after choosing an offer.
We prefer a CIBIL score of 650+, but we also have lender partners who cater to customers with lower scores. Options like Loan Against Car are secured loans where your credit score matters less. Contact us to discuss your specific situation.
A loan against car (LAC) lets you borrow money using your existing vehicle as collateral — you continue using the car. A regular car loan is used to purchase a new or used car. LAC gives you cash for any purpose (medical, business, etc.) at lower rates than unsecured personal loans.
Express Credit Hub is a loan marketplace and advisory platform. We are not a bank or NBFC ourselves — we connect you with 30+ RBI-regulated banks and NBFCs to find you the best loan offer. This means more options and better rates for you.