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FULLERTON FINANCLAL SERVICES LIMITED

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HiCredit provides professional credit report analysis and interpretation services along with access to personal loans uniquely matched to your financial profile. 

HiCredit helps you - 
⭐ Understand your credit profile
⭐ Access hassle free personal loans from partner lenders ranging from ₹5,000 to ₹10 Lacs with tenures from 62 days to 5 years. Interest rates range from 10%-33.5% depending on risk profile and product availed. 

Example of the total cost of a loan to user -
- Loan amount: ₹1 lakh 
- Interest Rate (APR - reducing balance basis): 24% 
- Processing fee of 2%: ₹2,000 
- Loan duration (months): 24 
- EMI: ₹5,287 
- Total Interest payable: ₹26,891.

✅ Understand your credit profile
HiCredit provides professional credit report analysis and interpretation services. It will help you know why your loan applications can be rejected, and provide valuable and personalized suggestions to improve your loan approval rate.

Credit Score and Analysis
✔ Check your credit score along with details about your credit history
✔ Find out why your loan application is always rejected
✔ HiCredit analyzes your profile like a lender and provides you detailed analysis of your overall financial profile and history

HiCredit has partnered with Experian 1 of the 4 credit bureaus recognised by RBI. 

✅ Access hassle free personal loans from partner lenders 
HiCredit has partnered with the most innovative financial institutes in India to help users access hassle free personal loans. 

Get Personal Loans from partner lenders
✔ Apply for exclusive personal loans from the top digital lenders across the country
✔ Low credit score - No worries! - Start with a small loan and improve credit profile and eligibility
✔ Address your negative accounts and access higher credit limits and lower interest rates. 

HiCredit has partnered with a range of lenders that can provide loans up to ₹10 Lakhs.

Credit Report FAQs
What is a credit score and how is a credit score calculated?
Credit score is an indicator of a borrower's ability to make credit payments on time. Credit score is calculated based on the data provided by the banks and NBFC’s to the bureau.

I have a low credit score. What can I do to improve my score and become loan eligible?
You might have a low credit score due to negative accounts and/or delayed payment(s) and HiCredit can help you identify the negative accounts and help you attain better credit health by resolving the issues.

Personal Loan FAQs

What are the kinds of loans available through HiCredit?
HiCredit’s marketplace offers a wide range of personal loan products uniquely matched to the user’s financial profile. The personal loans offered through HiCredit can help users meet short term financial needs, plan holidays, reduce debt etc. 

What is the loan amount, tenure and interest rate I can get on different types of loans?
The eligible loan amount and the interest rate applicable are determined by your financial profile and requirements. 

Users can access loans from amounts as low as ₹2000 to ₹10 Lakhs with tenures ranging from 62 days to 5 years. The Annual Percentage Rate (APR) varies across lenders and loan categories and ranges from 16% to 35%. Partner lenders also charge a loan processing fee depending on the customer’s risk profile and product availed. 

Example of the total cost of a loan to user - 
- Loan amount: ₹1 lakh
- Interest Rate (APR - reducing balance basis): 24%
- Processing fee of 2%: ₹2,000 
- Loan duration (months): 24 
- EMI: ₹5,377
- Total Interest payable: ₹29,048.

🔐Permissions Requested:
✔ SMS - To help track your income and expenses to develop a complete financial profile
✔ Contact - To conduct analysis and develop a complete financial profile

For App issues and support please email us at support@hicredit.in.
HiCredit 提供专业信用报告分析和口译服务，以及个人贷款的访问权限与您的财务资料唯一地匹配。

HiCredit帮助您-
⭐了解您的信贷资料
⭐从合作伙伴贷方获得无忧的个人贷款，金额从₹5,000到₹10不等，任期从62天到5年不等。利率范围在10％-33.5％之间，具体取决于风险状况和所提供的产品。

向用户贷款的总费用示例-
-贷款金额：₹10万
-利率（实际年利率-结余减少额）：24％
-2％的手续费：₹2,000
-贷款期限（月）：24
-EMI：每位₹5,287
-应付总利息：₹26,891。

✅了解您的信用资料
HiCredit 提供专业的信用报告分析和解释服务。这将帮助您了解为什么可以拒绝您的贷款申请，并提供有价值的个性化建议以提高您的贷款批准率。

信用评分和分析
✔检查您的信用评分以及有关信用记录的详细信息
✔了解为什么您的贷款申请总是被拒绝
✔HiCredit像贷方一样分析您的个人资料，并为您提供整体财务状况和历史记录的详细分析

HiCredit 已与 RBI 认可的4个信贷局中的 Experian 合作。

b 从合作伙伴贷方获得无忧的免费个人贷款
HiCredit与印度最具创新性的金融机构合作，帮助用户获得无忧的个人贷款。

从合作伙伴贷方获得个人贷款
✔向全国顶级数字贷方申请独家个人贷款
✔信用评分低-不用担心！ -从小额贷款开始，提高信用状况和资格
✔解决您的负面帐户并获得更高的信用额度和更低的利率。

HiCredit已与一系列放款人合作，这些放款人可提供最高 100万卢比的贷款。

信用报告常见问题解答
什么是信用分数？信用分数如何计算？
信用评分是借款人按时还款能力的指标。信用评分是根据银行和NBFC向局提供的数据计算得出的。

我的信用评分很低。我该怎么做才能提高自己的分数并获得贷款资格？
由于帐户欠款和/或付款延迟，您的信用评分可能较低，HiCredit可以帮助您确定不良帐户并通过解决问题来帮助您获得更好的信用状况。

个人贷款常见问题解答

HiCredit提供哪些贷款？
HiCredit的市场提供了与个人财务状况完全匹配的各种个人贷款产品。通过HiCredit提供的个人贷款可以帮助用户满足短期财务需求，计划假期，减少债务等。

我可以从不同类型的贷款获得多少贷款，期限和利率？
合格的贷款金额和适用的利率由您的财务状况和要求决定。

用户可以从低至₹2000到₹10十万的贷款，期限从62天到5年不等。年度百分比率（APR）随贷方和贷款类别的不同而不同，范围从16％到35％。合作伙伴贷方还根据客户的风险状况和所提供的产品收取贷款处理费。

向用户贷款的总费用示例-
-贷款金额：₹10万
-利率（实际年利率-结余减少额）：24％
-2％的手续费：₹2,000
-贷款期限（月）：24
-EMI：5,377卢比
-应付总利息：₹29,048。

🔐要求的权限：
✔短信-帮助跟踪您的收入和支出以建立完整的财务状况
✔联系-进行分析并制定完整的财务状况

有关应用程序的问题和支持，请发送电子邮件至support@hicredit.in。


HiCredit - Get Instant Loan & Card Credit Score

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