In times of unexpected financial stress—be it an urgent medical situation, a home repair, or a festival expense—having quick access to money can be a real lifesaver. For salaried individuals living in Assam, especially in areas like Guwahati, Dibrugarh, Silchar, and other remote parts of the state, accessing traditional loans from banks can be time-consuming and cumbersome. That’s where the Creditt Loan App steps in to make things simpler and faster.
This guide will explain everything you need to know about how to use the Creditt Loan App to apply for personal loans directly from your mobile, no matter where in Assam you live.
The Creditt Loan App – What Is It?
Creditt is a digital lending platform that provides quick, short-term personal loans to eligible salaried users. The app was introduced in 2019 and has since gained wide popularity due to its fast processing times, digital-first approach, and secure lending model. With over a million downloads, it has helped people from different corners of India, including thousands from Assam, manage emergencies without waiting for traditional loan approval.
Whether you’re a private company employee in Jorhat or working in the tea estates of Tinsukia, Creditt offers you financial support in just a few taps.
Why Is It Beneficial for People in Assam?
The state of Assam has a mix of urban, semi-urban, and rural populations, and access to financial institutions isn’t always equal. In such a scenario, the Creditt Loan App becomes especially useful for the following reasons:
- No Need to Visit Any Office: Everything is handled online—from application to disbursement.
- Works Even in Rural Areas: As long as you have internet access and a smartphone, you can apply.
- Fast Help During Floods or Emergencies: Creditt can be a dependable option during Assam’s frequent flood seasons or medical crises.
- Support for Common Banks in Assam: Works seamlessly with SBI, HDFC, Axis Bank, and Assam Gramin Vikash Bank accounts.
Main Features of the Creditt App
Let’s take a look at what makes this app so attractive to users in Assam:
- Instant Loan Approvals: Most loans are approved within a few minutes of applying.
- Completely Paperless Process: No need for hard copies or physical signatures.
- Simple User Interface: Easy to use even for first-time borrowers.
- Secure Data Handling: Your information stays encrypted and protected.
- Quick Disbursement: Funds are deposited into your account in less than 10 minutes after approval.
How Much Can You Borrow?
The app offers personal loans within a specific range. Here are the key loan details:
- Loan Amount Range: ₹10,000 to ₹35,000
- Loan Tenure: 90 to 200 days
- Interest Rate: Ranges between 20% and 36% per annum
- Processing Fee: Included in the loan structure (shown before final approval)
These loan amounts are ideal for small personal requirements like school fees, home maintenance, urgent travel, or healthcare expenses.
Are You Eligible for a Creditt Loan?
To apply for a loan through the Creditt app, make sure you meet the following conditions:
- You are an Indian citizen and currently living in Assam.
- You are salaried with a monthly income.
- You are at least 21 years old.
- You own a valid Aadhaar card and PAN card.
- You have an active bank account and mobile number.
- You can provide digital proof of income like salary slips or bank statements.
Required Documents for Assamese Users
Before you start the application, ensure that you have these documents ready:
- Aadhaar Card (address should be from Assam)
- PAN Card
- Bank Account Details
- Salary Proof or Income Documents
- Live Photograph for KYC
All of these can be submitted digitally within the app. No physical submission is needed.
How to Apply for a Loan Using the Creditt App – Step-by-Step
Let’s break down the full process into simple steps that anyone in Assam can follow:
Step 1: Download the App
Head over to the Google Play Store and install the Creditt Loan App on your Android device.
Step 2: Sign Up with Your Mobile Number
Use your mobile number to register. An OTP will be sent to verify your number.
Step 3: Complete Your Profile
You’ll be asked to fill in your name, address (as per Aadhaar), employment type, monthly income, and other essential info.
Step 4: Upload Documents
Upload your Aadhaar, PAN, bank details, and salary slips. Ensure the images are clear and readable.
Step 5: Complete the KYC
Creditt conducts a short video-based Know Your Customer (v-KYC) process to verify your identity.
Step 6: Choose Loan Amount and Apply
Select how much money you need and the repayment tenure. The system will show you the interest and processing fee before you submit.
Step 7: Get Funds in Minutes
Once approved, your loan amount is transferred instantly to your bank account—typically within 5–10 minutes.
Helpful Tips for Faster Approval in Assam
- Use a good internet connection, especially if you’re in rural areas.
- Ensure your bank account is active and receives regular salary credits.
- Double-check your Aadhaar and PAN details for any spelling mismatches.
- Keep your documents ready before applying to avoid delays.
- Apply during working hours for quicker KYC verification.
How to Repay the Loan
Repayment can be done directly through the app using:
- UPI
- Net Banking
- Debit Card
Repaying on time helps improve your credit score and may allow you to apply for a higher loan amount in the future.
What If You Miss a Payment?
Missing a repayment deadline can result in:
- Late Fees or Penalties
- Negative Credit History
- Collection Reminders from the App
It’s always advisable to borrow only what you can comfortably repay within the loan tenure.
Frequently Asked Questions for Assam Users
Q: Can I apply if I live in a remote village in Assam?
Yes. As long as you have internet and valid documents, location is not a barrier.
Q: Are government employees in Assam eligible?
Yes, salaried government employees can apply, provided they meet the other eligibility criteria.
Q: Is the app available in Assamese language?
Currently, the app is available in English and Hindi, but Assamese language support may be added in future updates.
Q: Can I take another loan after repaying one?
Yes. Once you clear your first loan successfully, you become eligible for higher amounts in future.
Final Words
Creditt Loan App has made it incredibly convenient for salaried individuals in Assam to access personal loans without stepping out of their homes. Whether you’re facing a sudden emergency, festival expenses, or just need some extra cash till your next salary, this app offers a trustworthy and fast solution.
If you’re in Assam and need quick financial assistance, Download the Creditt Loan App today and experience hassle-free lending right from your phone.