One application.
15+ banks & NBFCs competing for you.
Kredistar compares loan offers from leading lenders like HDFC Bank, ICICI Bank, Axis Bank, SBI, Bajaj Finserv and Tata Capital — and a dedicated advisor walks you from application to disbursal.
- Rates from 7.5% p.a.
- Loans ₹3,000 – ₹5 Crore
- No impact on CIBIL to check
A loan for every goal
Nine loan categories, one application. We compare offers from our bank and NBFC panel and help you pick the right one — free.
Your advocate in the loan market — not a lender
Kredistar Finserv Pvt. Ltd. is a Bengaluru-based Direct Selling Agent (DSA) and loan aggregator. We work with India’s leading banks and NBFCs so you don’t have to approach each one yourself: we understand your need, compare what each lender can offer, prepare your file, and stay with you until the money reaches your account.
Not tied to one lender — we recommend what suits your profile.
Lenders pay us on disbursal. You never pay Kredistar.
A real person on call and WhatsApp, from enquiry to disbursal.
Your data goes only to the lender you choose. Never sold.
Built on regulated lenders, real people and zero fees
Kredistar is a DSA and loan aggregator — we work for you, and the lender you choose is always RBI-regulated.
From application to disbursal in 5 steps
Typical timelines for eligible applicants. Secured loans may take longer because of valuation and legal checks.
- 1Day 1Apply Online
Fill our quick form with basic income and loan details. Zero paperwork upfront.
- 2Day 1–2Submit Documents
WhatsApp or upload documents securely. Doorstep pickup can be arranged.
- 3Day 2–3Get Verified
We compare 15+ lenders simultaneously and present the best offer.
- 4Day 3–5Loan Approved
Bank/NBFC partner reviews and issues an in-principle sanction letter.
- 5Day 5–7Disbursement
Sign the loan agreement and receive funds directly in your bank account.
Plan your EMI before you apply
Move the sliders to see your monthly instalment and total interest. Rates default to each product’s indicative starting rate.
Indicative calculation on a reducing-balance basis. Excludes processing fee, GST and other lender charges.
Our banking & NBFC partners
Loans are sanctioned and disbursed by these RBI-regulated lenders. Kredistar is their sourcing partner (DSA) — compare them and apply in one place.
Indicative starting rates published by lenders (Oct 2026) — your rate depends on your profile. Names and logos are trademarks of their respective owners, shown only to identify our lending partners.
Personal loan tenure, APR & cost example
Disclosed in line with Google’s personal-loan advertising policy and RBI’s fair-practice expectations. Kredistar is not the lender — final terms are set by the lending partner.
| Loan amount | ₹5,00,000 |
| Tenure | 48 months |
| Interest rate (reducing balance) | 33.38% p.a. |
| Monthly EMI | ₹19,000 |
| Total interest payable | ₹4,12,005 |
| Processing fee (4%) + GST (18%) | ₹23,600 |
| APR (interest + fees, annualised) | 36.5% p.a. |
| Total amount repayable | ₹9,12,005 |
| Total cost of borrowing (interest + fees) | ₹4,35,605 |
Illustrative only, built at the maximum APR (with the maximum processing fee) to show the highest likely cost — not a quote or offer. Your actual rate, fee, APR, tenure and total cost depend on the lender and your eligibility, and are disclosed in the lender’s Key Fact Statement before you accept. Lender: as per the sanctioning bank/NBFC from our partner list. Contact: Kredistar Finserv Pvt. Ltd., #164, 1st Cross, Judicial Colony, AECS Layout, Sanjaynagara, Bengaluru – 560094 · +91 93908 07900 · office@kredistar.in.
What you should know before you borrow
Clear, upfront information about how Kredistar works — so there are no surprises.
Kredistar Finserv Pvt. Ltd. is a Direct Selling Agent (DSA) and loan aggregator. It is not a bank or NBFC and does not lend money. All loans are sanctioned and disbursed by our RBI-regulated partner banks and NBFCs, named on this page.
Repayment tenure 3 to 60 months. Maximum Annual Percentage Rate (APR) 36.5% p.a., inclusive of interest and fees. Processing fee 1%–4% of the loan amount plus 18% GST. Terms vary by lender and your profile; see the representative example on this page.
We never charge you for our service and never ask for any upfront, advance or “approval” fee. We are paid a commission by the lender after disbursal. Any lender charges are disclosed in the lender’s Key Fact Statement (KFS) before you sign.
Loan approval, amount, interest rate and tenure are decided solely by the lender after its own credit assessment. Rates shown on this site are indicative starting rates and can change without notice.
Using our EMI and eligibility tools does not affect your credit score. A credit bureau enquiry is made only by the lender, with your consent, when you formally apply.
Late or missed EMIs attract penal charges as per the lender’s policy and are reported to credit bureaus, which can lower your credit score. Recovery is carried out by the lender in line with RBI’s Fair Practices Code.
We share your details only with the lender(s) you are matched to, solely to process your application. We do not sell personal data. Read our Privacy Policy for details.
Kredistar staff will never ask for your OTP, UPI PIN, card details or passwords, or ask you to pay money into a personal account. Always verify a lender on the RBI website before sharing documents.
Read more: Rates & disclosures · Grievance redressal · Privacy policy · Disclaimer
Questions borrowers ask us
Straight answers about fees, credit scores, partners and timelines.
Talk to a loan advisor, Mon–Sat, 9:00 AM – 7:00 PM.
Is Kredistar a bank or an NBFC?
Does Kredistar charge any fee?
Which banks and NBFCs do you work with?
How much can I borrow, and for how long?
What is the maximum APR on a personal loan?
Will checking my eligibility affect my CIBIL score?
What documents do I need?
How long does disbursal take?
Borrow smarter with our guides
Plain-language explainers on loans, credit scores and RBI rules.
Find out what you qualify for — in 60 seconds
Tell us a few basics and a Kredistar advisor will match you with the right lender. No fee, ever.