Instant personal loan, free credit-score & more! OneScore is a one-stop shop for managing credit score and getting an instant personal loan with flexible EMI options. Whether you need money to plan a trip or to take care of 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 loan offer on OneScore Build your credit worth by regularly tracking your credit score, and look out for the personalized OnePL loan offer. Depending on your credit score and other factors, you will receive instant approval on your personal loan application. What’s more! You can also use the EMI calculator to plan your EMIs and choose from the flexible repayment options. Set up payment reminders so you never miss an EMI. Get customized suggestions on how to improve your credit score and avail of better loan offers. Eligibility Criteria for OnePL: A credit score of 730 & above Stable employment with monthly salary of >₹20,000 Aadhar and PAN card holder OnePL features: • Lending partner: Federal Bank Limited, South Indian Bank Limited • 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) • Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB • APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB) Let's understand this with an example, assuming a personal loan of Rs. 50,000 with a 13% interest rate and a repayment tenure of 1 year. Here’s how your 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 and 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 and flexible EMI options. Check your Experian and CIBIL score in an instant, for free. It’s also completely spam-free & ad-free. Get notified about changes in your credit score in real-time. Stay in charge of your credit score with a simplified credit report and eliminate errors in real-time. Use the ‘Find out why feature’ to analyze your data and understand exactly why your credit score has changed. Use the Score Planner to level up your credit score. Set a goal for yourself and achieve your ideal score with personalized insights. Have a low credit score? Use the simulator to get suggestions on how to improve your credit score with good financial habits. Get a bird’s eye view of all your loan and credit card accounts. Report inaccuracies in your credit record with a simple click. Set financial goals and stay on track with timely reminders. 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, do it all on the OneScore app. Ad-Free: Rest assured, you will never get those spam calls and messages with unsolicited offers. Safe & Secure: None of your information is shared with any third party or institution. Your data is safe with us.
Not working on IOS
IOS functionality for One card is not available
Not Working
App is not working properly. West of time
Account Details
It really helped me to know what all accounts I hold. There were few accounts which I was not using but were in my name as Active. I closed them. Now I have only ones which I am using. This app is really good way to know your account, credit card and loan details.
Total waste app, can’t register on it.
After verifying by giving phone number and OTP the app asked for first and last Name (as per PAN) my last name is an initial which is one character but the app keeps asking for 2 characters (as per PAN) in my last name without that it doesn’t proceed. What to do without a full last name. Can’t proceed with first name alone also. Total waste and bakwas app.
Won’t work
Wants me to enter a phone number and when I do the app tells me it’s invalid. I have had the same phone number for like 12 years
One Card app is geo fenced
I am very much in India just happens to be using US App Store. I downloaded One Score and got all my credit score verified and got redirected to One Card app which I can’t download because that’s geo fenced to India. Pleas turn off the geo fencing so that users can use it regardless of their App Store location
Can’t connect
It adds an extra 9 to number so it never connects
With this new release, we've refined and improved our user experience by resolving minor in-app bugs.
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