Short answer: Stashfin is a credit line with 0% interest for the first 30 days and nil foreclosure charges, but fees of 2.85% + 3% (plus GST). KreditBee is a fixed EMI loan from 12% with a fee of up to 4.7% and up to 5% to foreclose, but a lower income bar (₹10,000).
Last verified: 12 October 2026 from each company’s official website and, where marked, its Google Play listing. Rates and fees change; the lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms. FundsTiger does not rank lenders.
Stashfin vs KreditBee at a glance
| Stashfin | KreditBee | |
|---|---|---|
| Type | Credit line app (Akara Capital Advisors, an RBI-registered NBFC, and partners) | Loan app (Krazybee Services, an RBI-registered NBFC, plus partner lenders) |
| Loan amount | Up to ₹5 lakh | ₹3,000 to ₹10 lakh |
| Interest rate | 11.99% to 36% a year after a 0% first 30 days (Google Play); site FAQ says up to 39% | 12% to 27.5% a year (website); 12% to 28.5% (Google Play) |
| APR | 10% to 45% | 17% to 50% (Google Play) |
| Processing fee | Platform fee 2.85% + GST and transaction fee 3% + GST | Up to 4.7% + GST |
| Tenure | 3 to 48 months (site); 3 to 42 months (Google Play) | 3 to 60 months |
| Minimum income | ₹15,000 a month for starter limits; ₹30,000 to ₹50,000 for larger loans | ₹10,000 a month (household income above ₹25,000) |
| Who can apply | Salaried and self-employed (no cash-salary earners) | Salaried (2+ months in current job); self-employed options linked |
| Age | 18 to 59 | 21 to 60 |
| Prepayment and foreclosure | Nil foreclosure and prepayment charges | Foreclosure up to 5% of principal outstanding + GST; part-prepayment up to 5% of amount prepaid + GST |
| Product | Credit line (interest only on what you use) | Term loan (EMI) |
| RBI-regulated lenders | Akara Capital Advisors | Krazybee Services, PayU Finance India, Oxyzo Financial Services, Vivriti Capital, Cholamandalam Investment and Finance, Kisetsu Saison Finance, Tata Capital, Northern Arc Capital, Piramal Finance, MAS Financial Services, Mirae Asset Financial Services, Aditya Birla Capital |
| On RBI’s digital lending app list | Yes: 6 RBI-regulated lenders list it | Yes: 15 RBI-regulated lenders list it; 10Cr+ installs, rated 4.6 |
| Also worth knowing | 0% interest for the first 30 days; Credit score 730+ (700 to 729 possible) | Says low-CIBIL applicants may qualify; Penal charge 36% a year on overdue principal (2 to 180 days) |
Install counts and ratings are from Google Play, as recorded on RBI’s digital lending app list check of 5 October 2026.
What a ₹50,000 loan over 12 months would cost
We costed the same loan on each lender’s advertised figures, using the standard reducing-balance EMI formula and adding 18% GST to fees where the lender quotes them before tax. The lowest advertised rate is usually for the strongest credit profiles; many borrowers are offered more.
| Lender | Scenario | Rate a year | EMI | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|---|---|
| Stashfin | Lowest Play rate, both fees | 11.99% | ₹4,442 | ₹3,306 | ₹3,452 | ₹6,758 |
| Stashfin | Highest Play rate, both fees | 36% | ₹5,023 | ₹10,277 | ₹3,452 | ₹13,729 |
| KreditBee | Lowest advertised rate | 12% | ₹4,442 | ₹3,309 | ₹2,773 | ₹6,082 |
| KreditBee | Highest advertised rate (website) | 27.5% | ₹4,813 | ₹7,757 | ₹2,773 | ₹10,530 |
Try your own numbers in our personal loan EMI calculator. For loans quoted only as APR, the APR already includes fees, so the total is an estimate.
Key differences
- Product: Stashfin credit line; KreditBee term loan.
- Fees: Stashfin about 5.85% + GST in total; KreditBee up to 4.7% + GST.
- Closing early: Stashfin nil; KreditBee up to 5% + GST.
- Income: Stashfin ₹15,000 for starter limits; KreditBee ₹10,000.
Which should you choose?
Stashfin may suit you if you need money for a short time and can repay within the interest-free period.
KreditBee may suit you if you earn ₹10,000 to ₹15,000 or want a single fixed EMI loan.
Whichever you pick, compare the APR in the KFS you are actually offered, not the advertised starting rate.
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Which is cheaper for a 12-month loan?
On advertised figures, KreditBee at its lowest rate costs less because Stashfin charges two fees. At higher rates the gap narrows. See the cost table above.
What credit score does Stashfin need?
Stashfin says 730 or more, with 700 to 729 possible.
Are these lenders RBI-regulated?
The loans described here are given by RBI-registered NBFCs or banks named in the table. Check the lender named in your loan agreement on RBI’s digital lending app list.
Where do these figures come from?
From each company’s official website and, where noted, its Google Play listing, checked on 12 October 2026. Where a company’s own pages disagree, we show both figures.
Sources
- Stashfin website
- Stashfin personal loan
- Stashfin on Google Play
- KreditBee personal loan page
- KreditBee on Google Play
Read more: KreditBee app review · Stashfin lender profile · All loan app reviews · Lender directory
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.