Personal Loans | Pay on Credit

Welcome to Digital Instant Personal Loans | Pay on Credit, an exclusive fintech instant personal loan app by Housing.com. We provide a range of financial services, allowing users to pay rent with credit cards and offering digital access to instant personal loans at best personal loan rates.

Pay on Credit: 💳
Unlock 45 days of interest-free credit for various payments, including Rent, Brokerage, Security Deposit, Education Fees, and more, using your credit card.

Paperless Instant Personal Loan:💰
Access hassle free personal loan online up to ₹20L with competitive interest rates, flexible repayment options and low EMI . Our loan products include Quick Cash, Credit-Line, Rent Now Pay Later, and more.

FAQs (Make payment via Credit Card) 💡

Q1. How does paying with a credit card work?
►Provide your beneficiary's bank account details/UPI ID
►Pay using a credit card
►Enjoy exclusive rewards and cashback

Q2. Is it safe to pay through pay rent online with a credit card? 💳
A. Your secure payment with credit card is our priority. Housing does not store any of your confidential information and all your transactions are secure and encrypted.

Q3. How to do rent payment via credit card? 🏡
A. Tenants can easily transfer the monthly rent to their landlord’s bank account, using their credit card. For rent transfer, one should have their landlord’s bank account number or UPI ID. While the transfer may take up to 48 hours, the payer can track the payment status on my transactions page.

Q4. What are the cards and banks supported on this app? 💳
A. We support Visa, Mastercard, Rupay credit and debit cards. The banks supported are –
Citibank, Kotak, American Express, HSBC, Standard Chartered, RBL, SBI, HDFC, ICICI, Kotak, AXIS, Rupay, Diners, PNB and other top Indian banks

Q5. How quickly does my beneficiary receive the payment if I pay now?
A. Payments are processed promptly. It might take up to 2 business days at most for the payment to appear in your beneficiary’s bank account and statements.

Q6. Is it necessary for my beneficiary to use the app to receive the payment?
A. No, your beneficiary doesn't need to be on the app to get the rent payment you made.

FAQs (Personal Loan) 💡
Q1. How much can I borrow with quick personal loans online on Housing?
A. The loan amount depends on various factors such as your income, credit score, and repayment capacity. You can borrow a minimum of Rs. 5,000 up to a maximum of Rs. 20 Lakhs.

Q2. What documents do I need to apply for an instant and easy personal loan?
A. You will need to provide the following documents to apply for a personal Loan:
►Identity Proof: Aadhaar card, PAN card, or passport ✔️🪪
►Address Proof: Aadhaar card, utility bill, or rental agreement ✔️📑
►Income Proof: Salary slips or Bank statement ✔️📃

Product Features for Personal Loan:
Online personal loans from ₹10,000 to ₹10,00,000
Interest rates - 9.9% to 45% p.a.
Tenures - 3 to 72 months
APR range - 18% to 36%
Processing Fee is 2% - 4%

Example for (quick personal loan at low) EMI & Repayment Amount on Loan:

►Loan Amount: ₹3,00,000
►Tenure: 10 months (300 days)
►Interest Charged: ₹ 1,426 (24% per annum)
►Processing Fee: ₹600 (2% of Loan Amount - ₹600 + GST @18% - ₹108)
►EMI Amount: ₹33,980
►Loan amount is ₹3,00,000.
►Total loan repayment amount is ₹3,33,980

We are not directly engaged in money lending activities and are only providing a platform to facilitate money lending with our partner IIFL Finance Limited & Fibe