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KreditBee vs Pocketly
Side-by-side comparison of KreditBee and Pocketly on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| KreditBee | Pocketly | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Krazybee Services Pvt Ltd (NBFC) | Speel Finance Company Pvt Ltd (own NBFC; Pocketly Infotech is the LSP) |
| Category | Personal Loan | Personal Loan |
| APR range | Upto 48% | Not disclosed |
| Processing fee | Upto 5% | Not disclosed |
| Tenure | 3–18 mo | 1–3 mo |
| Ticket size | ₹1,000–₹400,000 | ₹1,000–₹50,000 |
| Our rating | 3.2/5 | 4.3/5 |
| Verdict | Caution | Caution |
KreditBee
Good
- RBI-licensed NBFC (Krazybee Services)
- KFS provided pre-disbursal
- Direct bank disbursal, no pool account
Watch out
- Processing fee 4-6% common — true APR often 40%+ on short tenures
- Aggressive in-app cross-sell of larger loans
Last reviewed: 2026-05-09
Pocketly
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16