# OneScore: Credit Score App — Track & Improve Credit Score > Credit score management and instant personal loan platform. (iPhone/iPad app by Fplabs.) - Source: https://appshunter.io/ios/app/onescore-credit-score-app/id1462059417 (this page in markdown: same URL + `.md`) - Developer: [Fplabs](https://appshunter.io/developer/1462059416) - Category: Finance - Price: Free - Rating: 4.70/5 from 179,115 App Store ratings · 32 written reviews indexed - Age rating: 17+ - Requires: iOS 15.1 · 97 MB - Languages: American English - Released: 2019-06-19 - Data updated: 2026-09-05 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/onescore-credit-score-app/id1462059417/reviews.md ## What is OneScore? Instant personal loan app, credit-score & more! OneScore is a credit score management and instant personal loan platform trusted by over 4 Crore Indians. Whether you need money for short term personal expenses, a long vacation, or to cover medical expenses, you can get an instant loan for any cash emergency with OnePL. - Instant Loan Disbursal - Easy Application - No Collateral requirement - Zero Documentation - Flexible EMI options How to avail of the best instant loan offer on OneScore Build your credit worth by regularly tracking your credit score, & look out for the personalised best loan offer. Depending on your credit score, & other factors, you will receive instant approval for a personal loan through our app. What’s more! You can also use the EMI calculator within the app to plan your online loan EMIs & choose from the flexible repayment options. Set up payment reminders so you never miss an EMI. Eligibility Criteria for best online loan offer with OnePL A credit score of 730 & above Stable employment with monthly salary of >₹20,000 Aadhaar and PAN card holder OnePL features: • Lending partners: Federal Bank, South Indian Bank, Kisetsu Saison Finance India (KSF) • Loan Amount: Up to Rs. 5 Lakh • Loan tenure: Minimum 6 months, maximum 48 Months • Interest Rates: 12.5%-18.5% (for Federal bank), 15.9%-16.8% (For SIB), 13.5%-29.99% (For KSF) • Processing fees: 1.5-2.5% (Minimum Rs. 999) for Federal bank and 1% + Rs. 750 Digital document charges + GST for SIB, 1%-4% for KSF • APR: 13.32%-27.49% (for Federal bank), 16.54%-20.52% (For SIB), 16%-42% (For KSF) Let's understand this with an example, assuming a personal loan of Rs. 50,000 with a 13% interest rate & a repayment tenure of 1 year. Here’s how your online loan disbursal amount would be calculated: • Loan Amount - ₹50,000 • Tenure - 12 months • Interest Rate - 13% • EMI - ₹4,466 • Total Interest Payable - ₹4,466 x 12 months - ₹50,000 Principal = ₹ 3592 • Processing Fees (incl. GST) - ₹1179 • Disbursed Amount - ₹50,000 - ₹1,179 = ₹48,821 • Total Amount Payable - Principal + Interest + Processing Fees = ₹54,771 • Total Cost of the Loan = Interest Amount + Processing Fees = ₹3592 + ₹1179 = ₹4,771 *In case the loan is disbursed on or after the 6th of the month and your EMIs fall on the 5th of the month, there’s a gap of 29 days between your loan disbursal date & the first EMI. The interest rate charged for this period is called Broken Period Interest. Why download OneScore? Get instant loans up to Rs 5 lakh with zero documentation & flexible EMI options. Check your Experian and CIBIL score instantly. Get notified about changes in your credit score. Stay in charge of your credit score with a simplified credit report & eliminate errors in real-time. Use the ‘Find out why feature’ to analyze your data and understand exactly why your Experian and CIBIL credit score has changed. Use the Score Planner to level up your credit score. Set a goal for yourself & achieve your ideal score with personalized insights. Have a low credit score? Use the simulator to get suggestions on how to improve your Experian and CIBIL score with good financial habits. Get a bird’s eye view of all your personal loan & credit card accounts. Report inaccuracies in your credit record with a simple click. Why OneScore is different End-to-End Credit Management Tool One-stop solution for end-to-end credit management from building your credit score to availing instant personal loans at low-interest rates. Safe & Secure: None of your information is shared with any third party or institution. Your data is safe with us. email for help: onescorehelp@onescore.app. Do visit our website to contact us for any queries at https://onescore.app. Our address: West Bay, S. No. 278 Hissa No. 4/3, Pallod Farms Phase II, Baner, Pune, MH IN 411045 ## Key features - Instant personal loans - Credit score tracking - Personalized loan offers - EMI calculator - Payment reminders - Credit score analysis ## Recent user reviews (10 of 32) All indexed reviews: https://appshunter.io/ios/app/onescore-credit-score-app/id1462059417/reviews.md ### 5/5 — Best Greedy cibil score app *2026-08-13* Hi Team, I have been using your app for the last couple of years ( around 4 ) and this is one of the apps that has provided me with one of the most accurate scores of cibil and experion. I will always be grateful to you guys for helping me to plan my financial things until this very last update that you have made to your application. I hope you guys have a great greedy endeavor ahead and may all your profits be increased by many holds from your fellow poor users. I wish all the team behind the plan of making the cibil score a subscription based bussiness model success in their life. Yours regards A middle class user **Developer response:** Hi there, we’re sorry to hear that your experience with OneScore didn’t meet your expectations. Your feedback is valuable to us, and we’re committed to making improvements. Please reach out to our support team at onescorehelp@onescore.app so we can address your concerns directly. Thank you! - Ahi ### 5/5 — Great app *2026-06-30* Really one of the best app for every credit score related matters. I am using this app since it’s beginning. I really helps me to update myself about my Credit score and also helps me track any unwanted entry in my account. Thanks a Ton one score team for supporting us without charging a penny. Love this app ❤️ **Developer response:** Hi there, thank you for the wonderful 5-star shout-out! Knowing that you walked away completely happy is our biggest achievement, and we are so glad we could meet your expectations. Your fantastic review inspires us to keep innovating and delivering the best possible service. - Shri ### 5/5 — Little more details *2025-03-02* One of my active loan shows DCB under category others. Not getting which loan it is and when my score goes low or high it would be good for what reason it went down like “missed SBI card payment “ or “x times loan enquiry “ etc **Developer response:** Hey there! We’re always here to assist you. At OneScore, we fetch data directly from the bureaus, ensuring you get accurate and up-to-date information! If you notice any errors in your report, you can easily report them via the OneScore app. 📌 Simply head to the Insights tab, click on "Report an Error," and you’ll be redirected to the bureau’s site to raise a dispute. Need further assistance? Feel free to share your concern with us at onescorehelp@onescore.app and drop your allotted ticket ID here - we’ll work our magic to light up those remaining stars! ✨ ~Misha ### 1/5 — Junk *2024-11-13, version 3.14.96* Never sent a code. This app is a total waste of time and effort look elsewhere. ### 1/5 — It won’t let me change the country code for a USA telephone number *2024-10-17* I can’t even complete setting up my profile, because the app won’t let me change the country code on the telephone number. It is defaulted to +91 ### 5/5 — The Best Free Credit Score Checking App in the Market *2024-10-12* I’ve got to say, right from the UI to the design to the options and to the availability of services - OneScore is a time saver and a quick go to option for regularly updated Credit/CIBIL Score. If you are tired of having to shell out money to check your credit score then having the OneScore app is a must as it shows you a regularly updated CIBIL & Experian Score simultaneously and also offers to show you your active and closed loan accounts with utmost precision. OneScore is by far the most must have financial apps for your financial needs especially your loan needs. It has helped me with planning my loans so well that I’m never dropping the OneScore and OneCredit company services! OneScore you are a life saver and you deserve 5/5 stars even 10! Make a wise decision and download this wonderful app todayyy! **Developer response:** Hi there, the true secret of happiness lies in taking a genuine interest in all the details of everyday life. 🫶 Thanks for coming up with such a kind response & a fabulous rating.  We feel blessed & highly encouraged by your appreciation for our efforts. ✌🏻  Have a glorious day ahead. 🥳  - Eddy ### 1/5 — Frauds - they sell you personal information *2024-10-01, version 3.14.91* I used my mobile number to get OTP on their mobile app. Starting within the next 15 minutes, I started to receive some text messages from different unknown numbers and those seems to be scam. It looks like one score sold my mobile number information someone to someone. ### 1/5 — Zero Stars for app & customer support *2024-08-23* I have installed this app in 2024 Jan, unfortunately I’m unable to fetch neither CIBIL or Experian score due to some issues in app for which I have reached out to customer support, they didn’t respond to my emails even after multiple follow ups but after few months somehow I was able to fetch CIBIL score only, still having issue with Experian. It’s been nearly 8 months but they didn’t fix this issue & not bothered to respond to me on the issue. Finally I have received a call from customer support on 18th Aug saying this is an issue for many users for which they are looking into it. He didn’t provide any proper response on my query “why it took 8 months to reach out to me ?” Today they have given surprise to me, I am unable to fetch my CIBIL score also now. **Developer response:** Hi Buddy! We can understand that there is something that is bothering you and we would like to know more to give the best service.  Request you please elaborate on your issue and write to us at onescorehelp@onescore.app with your registered email ID and share the allotted ticket number here, so we can look into this  further. - Suchi ### 5/5 — Late Update *2024-05-29* Somehow, I figured out every time I check on one score my civil score! it was not giving me the right info according to my current civil. It was little bit backdated for two months or more. I will request if you cannot provide the right civil score and present time, please fix the issue as soon as possible. **Developer response:** Hey Fam, Your satisfaction holds the utmost importance to us, and we are wholeheartedly dedicated to ensuring that you enjoy the best possible experience! If you're facing any issues or have concerns, kindly share them with us at onescorehelp@onescore.app using your registered email ID. Our dedicated team is here to assist you promptly! -Yuki ### 1/5 — Customer support is terrible *2024-03-30* This app doesn’t show my experian score. When I raised a request, the customer support said I have registered from two different email address (having same pan number) because of which this issue is happening. When I asked them to fix it, they said they can’t fix it. First of all they should have a validation when creating new user. They didn’t have it. Now they could fix it from the backend, but they straight away tell they can’t do it. **Developer response:** Hey Shibasis,  We apologize for the disappointment you've expressed. Your feedback is heard, and we're here to make amends. We request you to drop us an email at onescorehelp@onescore.app with your registered email ID so that we can help you in a better way. -Yuki ## Frequently asked questions about OneScore ### What does the OneScore app do? OneScore is a finance app that offers instant personal loans and helps users manage their credit score. It allows you to track your credit score, understand the factors influencing it, and provides access to personal loans for various needs. The app also includes tools like an EMI calculator and payment reminders. ### What are the key features of OneScore? Key features include instant loan disbursal up to Rs. 5 Lakh with zero documentation, easy application process, and flexible EMI options. Users can also check their Experian and CIBIL scores instantly, receive notifications about score changes, and use a 'Find out why' feature to analyze score fluctuations. A Score Planner helps users set and achieve credit score goals. ### How much do instant loans cost on OneScore? Loan costs vary depending on the lending partner. Interest rates range from 12.5% to 30%, and processing fees are typically between 1.5% to 3% of the loan amount. The Annual Percentage Rate (APR) can range from 13.32% to 32%. An example calculation shows that for a Rs. 50,000 loan at 13% interest over 12 months, the total cost including interest and processing fees is approximately Rs. 4,771. ### What are the eligibility criteria for a loan? To be eligible for a loan through OnePL on the OneScore app, you generally need a credit score of 730 or above. You must have stable employment with a monthly salary exceeding ₹20,000 and possess both an Aadhaar and PAN card. These criteria ensure that applicants meet the basic requirements for loan consideration. ### Can I use this app to improve my credit score? Yes, the app provides tools to help you improve your credit score. By regularly tracking your credit score and understanding the reasons for any changes through the 'Find out why' feature, you can make informed decisions. The Score Planner allows you to set goals and work towards achieving an ideal credit score, which can positively impact your financial health. ## Version history (last 5 releases) ### 5.4.3 — 2026-08-27 Something big has arrived on India's favorite credit score app! Unlock OneScore Plus - An exclusive premium upgrade built to reveal your credit's true potential. • Weekly Credit Score Refresh: Track your credit score more frequently • Credit Coach: Your 24/7 AI Expert to help improve credit score habits. • Score Improvement Plan: Personalized roadmaps to increase credit score. • Loan Approval Odds: Know your chances for personal loans up to ₹7 Lakh. ### 5.4.0 — 2026-08-20 With this new release, we've refined and improved our user experience by resolving minor in-app bugs. ### 5.2.7 — 2026-07-29 With this new release, we've refined and improved our user experience by resolving minor in-app bugs. ### 5.2.5 — 2026-07-28 With this new release, we've refined and improved our user experience by resolving minor in-app bugs. ### 5.2.4 — 2026-07-23 With this new release, we've refined and improved our user experience by resolving minor in-app bugs. ## Apps similar to OneScore | App | Rating | Price | Category | | --- | --- | --- | --- | | [Credit Sesame: Grow Your Score](https://appshunter.io/ios/app/credit-sesame-grow-your-score/id476718980) | 4.8 (436,368) | Free | Finance | | [Capital One CreditWise](https://appshunter.io/ios/app/capital-one-creditwise/id1008234539) | 4.8 (308,791) | Free | Finance | | [Kikoff – Build Credit Quickly](https://appshunter.io/ios/app/kikoff-build-credit-quickly/id1525159784) | 4.9 (265,158) | Free | Finance | | [Intuit Credit Karma](https://appshunter.io/ios/app/intuit-credit-karma/id519817714) | 4.8 (7,717,227) | Free | Finance | | [Experian®](https://appshunter.io/ios/app/experian/id1087101090) | 4.8 (2,695,303) | Free | Finance | | [myFICO - Credit Score Tracking](https://appshunter.io/ios/app/myfico-credit-score-tracking/id714626557) | 4.8 (49,926) | Free | Finance | ## More apps by Fplabs - [OneCard (India)](https://appshunter.io/ios/app/onecard-india/id1513897615) - [Wizely: Save in FDs & Gold](https://appshunter.io/ios/app/wizely-save-in-fds-and-gold/id6741104946) All apps by Fplabs: https://appshunter.io/developer/1462059416 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*