A flexible credit facility you can draw on when you need it — compare offers from our regulated lending partners.
Check Your Offers →A Credit Line is a revolving credit facility — instead of receiving one lump sum like a personal loan, you're approved for a limit and can draw funds from it as needed. You typically pay interest only on the amount you've actually used, and as you repay, that amount becomes available to draw again. NeerCred doesn't lend the money itself — we collect your details once and match you with partner banks/NBFCs who evaluate and, if approved, set up the credit line directly.
You'll be asked for this directly in the application below — nothing needs to be uploaded or prepared in advance.
Fill in your details
Answer a short set of questions online — takes a few minutes.
Get matched
We match you with eligible partner banks/NBFCs based on your profile.
Complete with the lender
Finish your application directly with the matched lender to proceed.
How is a Credit Line different from a Personal Loan?
A personal loan gives you a fixed lump sum upfront. A credit line gives you an approved limit you can draw from as needed, and you generally pay interest only on what you've drawn — the exact terms are set by the lender you're matched with.
Are there any charges from NeerCred for this?
No. NeerCred doesn't charge you anything to compare or apply. Any lender-side deduction or charge is disclosed by the lender in the Key Fact Statement (KFS) and loan agreement before you proceed.
What happens after I submit my details?
You're matched with eligible partner lenders based on your profile, and you complete the rest of the application directly with the matched lender.
NeerCred is a multi-lender marketplace, not a lender — we match you with partner banks and NBFCs, who make the actual lending decision. No fees are charged by NeerCred; any lender deduction or charge is disclosed by the lender in the Key Fact Statement (KFS) and loan agreement before you proceed. See how it works and our compliance & disclosures for full details.