Fast, easy and Simple Personal Loans


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OptaCredit. Your Partner in Credit.

OptaCredit provides Unsecured Personal Loans to the salaried employee. We understand that getting fast and easy access to credit is the need of the hour, and we have risen to this challenge. If you are waiting for a personal loan; you can now say goodbye to waiting, and hello to OptaCredit.

Our Features

Avail instant loans from Rs.20,000 to Rs.5,00,000 with flexible tenure ranging from 2 to 36 months, at flat interest rates of 8.8% to 15.8% p.a. Processing fee is 2.5%


No hidden charges.

Simple and Easy

Make your application, and we will reach out to you.


No security, no collateral needed.


We value your privacy and will always safeguard it

Online application

Just a 10-min Online form.

Flexible Repayment

Choose your loan tenure and

How It Works

Our Loan Application process is extremely simple

Apply (10 Minutes)

Submit online application form, upload required documents and track real-time status via Intuitive Customer Dashboard.

E-Sanction (< 10 mins)

Receive in-principle e-sanction once your loan application is approved. Receive SMS and e-mail intimations.

E-Sign documents

No cumbersome paperwork. Simply e-sign your documents or schedule document pick-up.

Receive Funds

Get funds in your bank account the next day.


  • PAN

  • Original Bank PDF statement with 6 months transactions

  • Valid e-mail & mobile number


A proprietary credit- scoring mechanism to grade borrowers’ risks and to cater to unique needs of individuals.

Tailored to address your specific needs

Catered through an intuitive experience

Access whenever, wherever

Stay up-to-date on your loan details with our
Online Customer Dashboard.

Dedicated Customer Support

Any doubts or queries? We are here to help you out.
Call us at : 9884870988, 9962495566

In the Media

“Take the next step towards securing your personal loan.”