OneScore: Credit Score Insight: OneScore is available to make credit management more straightforward than ever. With the new version, you can track all of your credit accounts in detail in one location and enjoy a smoother app experience.
You may obtain a bird’s eye view of all of your credit and loan accounts under one tab on the most recent edition of OneScore. While we share tailored activities to assist you in building a better credit history or credit record, you can continue to monitor your Experian and CIBIL scores for free.
The debut of One InstaLoan, a new personal loan product provided in collaboration with Federal Bank, is something else we’re happy to announce. You can quickly and easily acquire the money you require with One InstaLoan, with little effort and an uncomplicated application process. You may rely on us to assist you in conveniently and easily managing your credit and financial demands.
Take charge of your credit health with OneScore
- Check out your credit score and credit report on the go
- Apply for Personal Loan & get the amount disbursed instantly
- Monitor all your loan and credit accounts under one tab
- Set up reminders for bill payments & EMIs
- Get personalised insights on how to manage your credit
- Understand the factors that affect your score
- Learn A-Z of credit management & be prepared for any major milestone in life
Free Experian & CIBIL Score
Get a free quick check of your Experian and CIBIL scores. No spam and no adverts. Just your credit score, instantly given.
Alerts on new credit score changes
Receive real-time notifications when your score changes. Examine what potential lenders would observe to maintain control over your credit score.
Find out why
Every step of the journey, OneScore 2.0 keeps you updated on your credit score. The “Find out why feature” examines your data and explains all the factors that may have affected your credit score.
Credit Score planner
The score planner has made the process of increasing credit scores simpler. Wherever you are in your credit journey, the score planner will provide you with the exact measures you need to take to manage your credit more effectively.
Credit Score Simulator
If you don’t yet have a credit score, OneScore 2.0 gives you the chance to discover the credit strategies that can raise your credit score. Get advice on how to begin your credit journey in the best possible manner by simulating your credit score.
The brand-new functions You can get a bird’s eye view of all loan and credit card accounts with OneScore 2.0. On all of your accounts, you will be able to create reminders, examine your payback history, and access all other essential information.
Observing a mistake on your credit report? Don’t worry; with just one click, you can immediately report any mistake on your credit report.
Customers applying for a Personal Loan should make note of the below :
- Lending partner: Federal Bank
- Minimum tenure: 12 Months
- Annual Percentage Rate (APR): 12.5% to 19%
- Processing fees: 1.5% To 2.5% (Rs. 999 being the Minimum).
Please be aware that in all circumstances where a loan is opened on or after the sixth of the month, the EMI will fall on the fifth of the month following that month even though the first interest demand date would be until the fifth of the next month. The Broken Period Interest is the interest charged from the time the loan was opened until the first interest demand date.
For example, on a personal loan of Rs. 55,000 at an interest rate of 13.5% with repayment tenure of 4 years, the EMI will be Rs. 1,489. The amount disbursed working would be:
- Loan Amount : Rs.55,000
- Processing Fees : (Rs.999)
- Broken Period Interest : (Rs.244.11) (based on the date the loan is disbursed, BPI is calculated based on the interest till the first EMI date)
- GST on Processing Fees : (Rs.179.82)
- Amount Disbursed to customer: Rs.53,577
However, additional fees or penalties could also be charged based on the lender’s policy in the event of a change in payment method, a delay in payment, or non-payment of EMIs.
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App Source From: Google Play Store