OneScore: Credit Score App

Instant personal loan app, credit-score & more!

OneScore is a credit score management and instant personal loan platform trusted by over 4 Crore Indians. Whether you need money for short term personal expenses, a long vacation, or to cover medical expenses, you can get an instant loan for any cash emergency with OnePL.

- Instant Loan Disbursal

- Easy Application

- No Collateral requirement

- Zero Documentation

- Flexible EMI options

How to avail of the best instant loan offer on OneScore

Build your credit worth by regularly tracking your credit score, & look out for the personalised best loan offer. Depending on your credit score, & other factors, you will receive instant approval for a personal loan through our app.

What’s more!

You can also use the EMI calculator within the app to plan your online loan EMIs & choose from the flexible repayment options.

Set up payment reminders so you never miss an EMI.

Eligibility Criteria for best online loan offer with OnePL

A credit score of 730 & above

Stable employment with monthly salary of >₹20,000

Aadhaar and PAN card holder

OnePL features:

• Lending partners: Federal Bank, South Indian Bank, Kisetsu Saison Finance India (KSF)

• Loan Amount: Up to Rs. 5 Lakh

• Loan tenure: Minimum 6 months, maximum 48 Months

• Interest Rates: 12.5%-18.5% (for Federal bank), 15.9%-16.8% (For SIB), 13.5%-29.99% (For KSF)

• Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB, 1%-4% for KSF

• APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB), 16%-42% (For KSF)

Let's understand this with an example, assuming a personal loan of Rs. 50,000 with a 13% interest rate & a repayment tenure of 1 year. Here’s how your online loan disbursal amount would be calculated:

• Loan Amount - ₹50,000

• Tenure - 12 months

• Interest Rate - 13%

• EMI - ₹4,466

• Total Interest Payable - ₹4,466 x 12 months - ₹50,000 Principal = ₹ 3592

• Processing Fees (incl. GST) - ₹1179

• Disbursed Amount - ₹50,000 - ₹1,179 = ₹48,821

• Total Amount Payable - Principal + Interest + Processing Fees = ₹54,771

• Total Cost of the Loan = Interest Amount + Processing Fees = ₹3592 + ₹1179 = ₹4,771

*In case the loan is disbursed on or after the 6th of the month and your EMIs fall on the 5th of the month, there’s a gap of 29 days between your loan disbursal date & the first EMI. The interest rate charged for this period is called Broken Period Interest.

Why download OneScore?

Get instant loans up to Rs 5 lakh with zero documentation & flexible EMI options.

Check your Experian and CIBIL score instantly.

Get notified about changes in your credit score. Stay in charge of your credit score with a simplified credit report & eliminate errors in real-time.

Use the ‘Find out why feature’ to analyze your data and understand exactly why your Experian and CIBIL credit score has changed.

Use the Score Planner to level up your credit score. Set a goal for yourself & achieve your ideal score with personalized insights.

Have a low credit score? Use the simulator to get suggestions on how to improve your Experian and CIBIL score with good financial habits.

Get a bird’s eye view of all your personal loan & credit card accounts.

Report inaccuracies in your credit record with a simple click.

Why OneScore is different

End-to-End Credit Management Tool

One-stop solution for end-to-end credit management from building your credit score to availing instant personal loans at low-interest rates.

Safe & Secure:

None of your information is shared with any third party or institution. Your data is safe with us.

email for help: onescorehelp@onescore.app. Do visit our website to contact us for any queries at https://onescore.app.

Our address: West Bay, S. No. 278 Hissa No. 4/3, Pallod Farms Phase II, Baner, Pune, MH IN 411045