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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