Quick Approval, Low Interest, Flexible EMIs | Zero Foreclosure Charges | Apply in Minutes - Loan App Fast Approval 2025 - Easy Approval Loan App 2025
IDFC FIRST Bank Personal Loan - CRED Cash – Zero Foreclosure Charges | Apply in Minutes
Managing financial needs often requires quick and hassle-free access to funds, whether it’s for medical expenses, travel, education, or personal commitments. IDFC FIRST Bank’s FIRSTmoney Personal Loan is designed to provide instant financial support with a completely digital process. With flexible loan amounts starting from ₹5,000 up to ₹10 lakh, attractive interest rates, zero foreclosure charges, and quick disbursal, it ensures customers can borrow with ease and repay conveniently. The loan is available through the FIRSTmoney app and online platforms, making it a smart and accessible choice for both salaried and self-employed individuals.
***Several users report that IDFC FIRST Bank often appears as the lending bank when taking loans via CRED Cash
Highlights
- Zero forecloser charges - Repay early without penalty
- interest rates starting at just 9.99% p.a
- Flexible repayment tenure
- Swift Approval And Disbursal - Same-day loan credit
- Personal Loan Amount Flexiablity
First Money Personal Loan Details
- Loan Amount ₹5,000 to ₹10 lakh)
- Interest Rate Starts from 9.99% p.a maximum rate can go as high as 23.99% p.a.
- Tenure Options 2 to 60 month
Personal Loan Features:
- Loan amount: ₹20,000 to ₹40 lakhs
- Personal Loan Tenure: 6 to 60 months
- Annual Percentage Rate: 11% to 28%
Fees and charges
- Processing Fee - Up to 2% (incl. GST
- Foreclosure Charges - Zero foreclosure fees
- Penalty on overdue EMIs - 2% of the unpaid EMI
- EMI Bounce Charges EMI Bounce Charges - 7.5% of the EMI (₹ 400 & maximum ₹ 1000 )
RealTime IDFC First Money Loan Details 2025
- Loan Amount – ₹55,000
- Disbursal Amount - ₹53,439
- Processing fees – ₹561
- Rate Of Interest – 23.76% per annum
- Repayment Tenure – 7 to 24 months
RealTime Cred Cash Personal Loan Details
How to Apply for FIRSTmoney
- Open the IDFC First Bank Personal Loan App or official website
- Visit Loans -> Click Apply Now
- Enter aadhaar lined mobile number , verify OTP
- Enter Basic Details like PAN,Aadhaar and DOB
- Select Loan Amount And Tenure
- Add your bank account get fund to your bank account
Instant Personal Loan Eligibility
- Salaried and self-employed individuals can apply
- Age limit – 21 to 60 years
- CIBIL Score - 730+
Instant Personal Loan Eligiblity
- No upfront physical documentation is needed
- Display your physical PAN card during the VKYC process
Basic KYC Requirements
- PAN card – mandatory
- One identity proof
- One address proof
- Income & Banking Proof ( Bank Statement )
Disclaimer
The information provided in this content is for educational
and informational purposes only. IDFC FIRST Bank’s personal loan products,
interest rates, fees, eligibility, and terms are subject to change as per the
bank’s policies. Viewers and readers are advised to verify all details directly
with IDFC FIRST Bank before applying. This content does not promote, endorse,
or guarantee approval of any loan. Borrow responsibly, assess your repayment
capacity, and read the official loan agreement carefully before making
financial decisions.
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