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1. Lendingplate
Verify NBFC partner and KFS before applying. APR is above the predatory threshold (>100%).
- APR:
- Not disclosed
- Rating:
- 4.4 / 5
- Lender:
- https://www.unifinz.in/
- Ticket:
- ₹1,000–₹50,000
Best Kreditzy Alternatives in 2026
Looking for a personal loan option that beats Kreditzy on transparency, APR, or processing fees? Here are 5 regulated NBFC alternatives we currently rate higher.
Last reviewed: 2026-05-16
2. mPokket
Student/young-professional loans up to ₹45K
- APR:
- Not disclosed
- Rating:
- 4.4 / 5
- Lender:
- Mpokket Financial Services Pvt Ltd (own NBFC)
- Ticket:
- ₹1,000–₹50,000
3. Pocketly
RBI Reg B-13.01394; loans ₹1K-₹25K, 60-180 days, 2-3%/mo
- APR:
- Not disclosed
- Rating:
- 4.3 / 5
- Lender:
- Speel Finance Company Pvt Ltd (own NBFC; Pocketly Infotech is the LSP)
- Ticket:
- ₹1,000–₹50,000
4. PocketMitra
Jai Finance NBFC; loans ₹1K-₹20K
- APR:
- Not disclosed
- Rating:
- 4.0 / 5
- Lender:
- Jai Finance (India) Limited (own NBFC)
- Ticket:
- ₹1,000–₹50,000
5. Ram Fincorp
Personal loans up to ₹2L; LSP for RK Bansal NBFC
- APR:
- Not disclosed
- Rating:
- 3.9 / 5
- Lender:
- R K Bansal Finance Pvt Ltd (own NBFC)
- Ticket:
- ₹1,000–₹50,000
Why we reach this verdict on Kreditzy
Kreditzy is operated by Krazybee Services Pvt Ltd (KreditBee group secondary brand), which holds its own RBI registration. That matters concretely: the Fair Practices Code, the Digital Lending Guidelines (2022) and the RBI Ombudsman scheme all apply to your loan, so you have a named regulator to escalate to if anything goes wrong.
Kreditzy does not publish a verifiable APR or fee schedule that we could check. We therefore show no rate for it rather than repeat a marketing figure. Demand the Key Fact Statement in writing before you accept anything — RBI requires the lender to give you one.
Across our checks we recorded 2 concerns and 0 points in its favour for Kreditzy, listed in full below with what each one means for you as the borrower.
How we verified this alternatives shortlist
- Reviewed by the SahiSujhav lending desk against our published scoring methodology.
- Facts on this page were last checked against Kreditzy's own disclosures on 16 May 2026. Lenders change fees without notice — always confirm against the Key Fact Statement you are shown.