OneScore vs FirstCentral Mobile

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

FirstCentral Mobile is the dedicated iOS application from FirstCentral Credit Bureau Limited, designed to offer users seamless access to their credit information. With this app, users can effortlessly check their credit scores and obtain various types of credit reports, all delivered directly to their email. This service is available round the clock, ensuring that users can manage their credit from the comfort of their homes, any time of the day or night. FCB Nico credit score is a 3-digit statistical number that evaluates a consumer`s creditworthiness and is based on the individual`s credit history behavior. Financial Institutions use credit scores to evaluate the probability that an individual will repay his or her loan(s). The XScore Detailed Report goes beyond traditional credit reports by offering a comprehensive analysis with the added benefit of credit scoring. This powerful tool provides lenders with valuable insights into a borrower's financial health, enabling faster and more informed decisions. Leveraging advanced analytics, XScore aggregates data from credit-active individuals to generate a reliable credit score. The Consumer Detailed Report is a comprehensive document detailing an individual's credit activities across various sectors of the economy.It provides a chronological record of the person's history with all sorts of loan and services. The Commercial Detailed Report is a comprehensive document detailing a company's credit activities across various sectors of the economy.It provides a chronological record of the company's history with all sorts of loans and service . Consumer Basic Report accurately assesses both customers’ affordability and suitability which are essential requirements for all lenders.It is a brief summary of the customer, highlighting demographic information, credit account summary and credit rating. Commercial basic Enquiry Report: It Provides you with your business demographic details and summary of the facility performance. This helps you monitor your company overall credit exposures The snapcheck report allows you to build the level of identity verification you need, speed up customer enrolment whilst pinpointing fraud more accurately . Dishonoured Cheque Report (FirstCentral DCR) contains a comprehensive listing of the historical instances of Dud Cheques issued by both individuals and businesses.Our service plays a pivotal role in assisting clients by providing a thorough understan ing of the historical and current dynamics of cheque issuance of the subject. It offers valuable insights into discernible patterns associated with potential customer behaviour in the context of cheque transactions . F-Alert PLUS helps individual customers monitor their credit scoring and reporting updates. This service is delivered as email notification and SMS alert with details of individuals' existing loan information and details of searches/inquires made by other users on the customers . The FCB Pre-Credit Check service is designed to foster meaningful connections between lenders and borrowers, streamlining the lending process for enhanced efficiency. This service offers a comprehensive display of customer scores, eligible loan amounts, and corresponding interest rates.