Every short-term loan offer. The real price. Before you apply.
India's loan apps quote per-day rates and hide the fees. KredBaba shows every matching offer from RBI-registered lenders with the fees-inclusive APR and total ₹ cost — ranked by cheapest, never by commission.
- Soft pull only — checking never hurts your score
- 22 lenders tracked & reviewed
- ₹0 fees for borrowers, ever
- Data stored in India · no contacts access, ever
How it works
- Tell us the need. Amount, when, and basic work details. Five steps, ~3 minutes, resumable.
- Soft bureau check. With your explicit, unticked-by-default consent. Zero CIBIL impact.
- See the digital view. Every matching lender with APR, fees, total repayable — plus who didn't match and why.
- Apply with the lender. KYC and agreement happen on the lender's flow; money moves directly from the NBFC to your bank.
Find your CIBIL band
The scam apps promise everyone "instant approval". We don't. Pick your band — see which lenders realistically work, and exactly how to move up.
Loan types we cover
Salary Advance
Compare salary advance offers from RBI-registered NBFC partners.
Instant Cash Loan
Instant cash loans of ₹1,000–₹1 lakh from RBI-registered NBFC partners.
Short-Term Loan
Short-term loans from 7 days to 6 months: bullet vs EMI repayment, real APR math, and offers from RBI-registered NBFC partners.
Emergency Loan
Emergency loans for medical bills, urgent travel and crisis expenses from RBI-registered NBFC partners — with honest timelines and full cost disclosure.
Small Personal Loan
Small-ticket personal loans on monthly EMI from RBI-registered NBFC partners: 3–24 months, transparent reducing-balance pricing, zero CIBIL impact to check.
Jump to your amount
Loans for your situation
Small rates, annualised, stop being small
| Amount | Tenure | Rate | Fee | GST | You receive | You repay | Total cost | APR |
|---|---|---|---|---|---|---|---|---|
| ₹5,000 | 15 days | 0.1% per day | ₹150 | ₹27 | ₹4,823 | ₹5,075 | ₹252 | 127.1% |
| ₹15,000 | 30 days | 0.1% per day | ₹450 | ₹81 | ₹14,469 | ₹15,450 | ₹981 | 82.5% |
| ₹50,000 | 6 months | 28% p.a. | ₹1,500 | ₹270 | ₹48,230 | ₹54,104 | ₹5,874 | 40.6% |
That's why every offer and review on this site leads with the fees-inclusive APR — the number the RBI's Key Fact Statement requires. How APR is calculated →
Calculators
APR Calculator
Convert any per-day or per-month rate + fees into the real annual cost.
EMI Calculator
Works for short tenures too — see total interest, not just the EMI.
Daily Interest Calculator
What 0.1%/day actually costs over your exact tenure.
How Much Loan on My Salary?
A realistic eligibility band from your net income and obligations.
Straight-talking guides
Account Aggregator Loans: How AA Consent Works and Why It Improves Your Offers
What Account Aggregator loans are, how the consent flow works step by step, why verified bank data improves offers, and how to revoke consent anytime.
Cooling-Off Period on Digital Loans: Your Penalty-Free Exit Under RBI's 2025 Rules
RBI's cooling-off period lets you exit a digital loan within days for a small pro-rated cost, penalty-free. What the 2025 Directions say and how to use it.
How Loan APR Is Calculated: Per-Day Rates, Fees and GST, With Worked Examples
How loan APR is really calculated: per-day rates, processing fees and GST — worked examples at ₹10,000/30 days (~82%) and ₹50,000/6 months (~33%).
How Short-Term Loans Affect Your CIBIL Score: Enquiries, DPD and Stacking
How short-term loans hit your CIBIL score: hard enquiries, DPD marks on 30-day tenors, and why stacking small loans hurts even with perfect repayment.
How to Check if a Loan App Is Genuine in India: 7-Step Verification Checklist
Seven verification steps to spot fake loan apps: trace the NBFC partner, check RBI's lists, demand the KFS, audit permissions, and use Sachet.
How to Escape the Loan-App Stacking Cycle: A Practical Debt Exit Plan
A practical exit plan for the loan-app debt spiral: full inventory, avalanche order, consolidation math, hardship negotiation and rebuilding, step by step.
Frequently asked questions
Is KredBaba a loan app?
No. KredBaba is a Lending Service Provider (LSP) — a comparison and matching layer. Loans are sanctioned and disbursed only by RBI-registered NBFC lending partners, directly to your bank account.
Does checking offers hurt my CIBIL score?
No. Eligibility checks here use a soft enquiry which has zero impact on your score. A hard enquiry happens only if you proceed with a specific lender.
How does KredBaba make money?
Lending partners pay us a fee when a loan we referred is disbursed. Borrowers never pay us anything, and our ranking is by lowest total cost of credit — not by who pays us more. See How we make money.
What loan amounts can I compare?
₹1,000 micro-advances to ₹3 lakh EMI loans, across 7-day to 24-month tenures, from partners whose pricing we show as fees-inclusive APR.