CreditSea Personal Loan
Offered by Partner NBFCs listed by CreditSea, including Meghdoot Mercantile Pvt. Ltd. (NBFC Reg No: B-05.03357) and Chhotaria Securities Pvt. Ltd. (NBFC Reg No: B-05.04798); other listed partners include CP Capital Limited, TapStart Capital Private Limited, Coffers Finvest Ltd and BFL Asset Finvest Limited
CreditSea is a digital lending platform run by Innotech CreditSea Platforms Private Limited that offers unsecured personal loans funded by partner NBFCs. Loans range from ₹6,000 to ₹2,00,000 with repayment terms of up to 36 months. It suits salaried or working individuals with a steady monthly income who want a fully online application.
Interest rate
14% – 36% p.a.
Loan amount
₹6,000 – ₹2 L
Tenure
—
Processing fee
2–4.5% of loan amount (the same page also states 'Up to 4%')
As of 9 Nov 2026, from the lender's official website. Final terms depend on your profile and are confirmed in the Key Fact Statement.
Check eligibility & apply →Key benefits
- Unsecured loan; no collateral required
- Loan amount from ₹6,000 to ₹2,00,000
- Interest rate stated as 14% – 36%, starting from 14% p.a.
- Tenure up to 36 months
- Funded by RBI-registered partner NBFCs listed on CreditSea's Digital Lending Partners page
- Disbursal by instant transfer to the borrower's bank account
Best for
Salaried borrowers needing a small multi-month EMI loan
Pros
- EMI-based tenure of several months rather than a single short-term repayment
- Lending partners and their NBFC registration numbers are published
- Fully online application
Cons
- Interest can go up to 36% and processing fee up to 4.5% of the loan amount
- Late payment fee of ₹500 or 3% of the overdue amount, whichever is higher, plus a ₹500 + GST bounced-payment fee
- Age and processing-fee figures differ between pages of the CreditSea site — confirm terms in the KFS before accepting
Eligibility
- Resident Indian citizen
- Monthly income of at least ₹18,000 (metro) or ₹15,000 (non-metro)
- At least 1 year in current job/profession
Documents required
- PAN
- Address proof
- Selfie for eKYC
- Bank statement
- Bank account details for disbursal
- eNACH/UPI e-mandate
Frequently asked questions
Who actually lends a CreditSea loan?
CreditSea is a platform; loans are funded by its partner NBFCs, such as Meghdoot Mercantile Pvt. Ltd. and Chhotaria Securities Pvt. Ltd. The lender for your loan is named in your loan documents and Key Fact Statement.
What is the minimum income for a CreditSea loan?
CreditSea lists a monthly income of ₹18,000 for metro cities and ₹15,000 for non-metro locations, along with at least 1 year in your current job or profession.
What charges apply if I pay late?
CreditSea lists a late payment fee of ₹500 or 3% of the overdue amount, whichever is higher, and a bounced payment fee of ₹500 + GST.
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ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by Partner NBFCs listed by CreditSea, including Meghdoot Mercantile Pvt. Ltd. (NBFC Reg No: B-05.03357) and Chhotaria Securities Pvt. Ltd. (NBFC Reg No: B-05.04798); other listed partners include CP Capital Limited, TapStart Capital Private Limited, Coffers Finvest Ltd and BFL Asset Finvest Limited, which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.