CreditHaat
CreditHaat is a Pune-based digital lending marketplace that aggregates personal loans, business loans, and credit cards from 45+ partner banks and NBFCs for Indian consumers and MSMEs, earning commissions on successful disbursals.
- Company typePrivate
- Founded2020
- HeadquartersPune, India
- Headcount1–10
- GTM typeB2C
- OfferingServices
What CreditHaat does
CreditHaat, operated by Vibhuprada Services Private Limited, is a digital lending marketplace based in Pune, India that connects individual borrowers and small businesses with 45+ partner banks and non-banking financial companies. Its core products are personal loans (up to ₹10 Lacs), business loans for MSMEs, credit cards (offered through 70+ card issuer partners), and a free credit score checking service enabled by a partnership with Experian. The platform operates on a self-serve website and mobile application, using a Direct Selling Agent (DSA) model with referral codes to track partner-originated applications and SEO-optimized city landing pages across 25+ Indian cities for top-of-funnel customer acquisition.
The business is fundamentally an aggregator, not a lender. Underlying technology consists of a multi-lender comparison engine, an EMI calculator, and API-style integrations with partner banks, NBFCs, and credit bureaus, hosted on AWS infrastructure. CreditHaat does not charge consumers directly; revenue is generated exclusively through commissions from partner lenders for successful loan disbursals and from card issuers for approved card applications. The company claims ₹5K Cr in cumulative loans disbursed and 2Cr+ registered members, though the operating team is reported at 1-10 employees, indicating a lean, capital-efficient operating model.
Founded in 2020, CreditHaat has received a single disclosed seed round (January 2022) from Bharat Inclusion Seed Fund and is led by founder Tanuj Sinha. The addressable customer base spans salaried and self-employed individuals across India seeking quick, comparison-based access to credit, and the model competes in a fragmented category populated by both bank-led digital channels and pure-play fintech aggregators.
CreditHaat firmographics
Firmographics- Name
- CreditHaat
- Legal name
- Vibhuprada Services Private Limited
- Website
- https://credithaat.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- CreditHaat is a Pune-based digital lending marketplace that aggregates personal loans, business loans, and credit cards from 45+ partner banks and NBFCs for Indian consumers and MSMEs, earning commissions on successful disbursals.
- Ownership category
- akta.pro rank
CreditHaat industry classification
Industry- Product category
- Loan Marketplace
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Loan Brokers (6163)
- akta.pro primary industry
- Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL)
- akta.pro secondary industries
- Subprime / Credit-Building Credit Cards (FSAKABAJ), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)
Keywords
Where CreditHaat is headquartered
LocationHeadquarters
- HQ city
- Pune
- HQ country
- India
- HQ region
- Asia
Markets served
CreditHaat business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Operations, Personnel, Infrastructure
Revenue model
- Loan Referral Commissions: CreditHaat earns commissions from partner banks and NBFCs for successful loan disbursals. The platform acts as an intermediary, directing qualified borrowers to lenders who pay referral fees.
- Credit Card Referrals: Commissions earned when users successfully apply for credit cards through the CreditHaat platform to partner card issuers.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels3 records
CreditHaat product offering
Product offeringCore offering
CreditHaat is a digital loan aggregator and marketplace that connects individual borrowers and MSMEs with 45+ partner banks and NBFCs to discover, compare, and apply for personal loans, business loans, and credit cards. The platform supports eligibility checks, KYC verification, and disbursal within 24 hours, and also offers free Experian-powered credit score reporting.
Product overview
CreditHaat is a loan aggregator platform that connects users with multiple banks and NBFCs to help them find the best loan offers. The platform offers a unified application process for personal loans, business loans, credit cards, and free credit score checking, aggregating offerings from 45+ partner lenders including major institutions like Aditya Birla Capital, LTFS, IIFL, Incred, and 5K+ Cr in loans disbursed through the platform.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Loans
- Business Loans
- Credit Cards
- Credit Score
Quantifiable outcome
- Same day approval and disbursement within 24 hours
- +2 more outcomes
Companies that use CreditHaat
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
CreditHaat technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
CreditHaat partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and minor.
- ABFL (Aditya Birla Finance Ltd)corePartner lender offering personal loans ranging from ₹50,000 to ₹15,00,000 for salaried and self-employed individuals through the CreditHaat platform
- IncredcorePartner lender offering personal loans ranging from ₹10,000 to ₹10,00,000 through CreditHaat marketplace
- LTFS (L&T Finance)corePartner lender offering personal loans ranging from ₹50,000 to ₹15,00,000 for salaried and self-employed individuals
- FibecorePartner lender offering instant personal loans ranging from ₹8,000 to ₹5,00,000 through CreditHaat
- IIFL FinancecorePartner lender offering gold loans and personal loans ranging from ₹5,000 to ₹50,00,000
- HomeCreditcorePartner lender offering personal loans ranging from ₹5,000 to ₹5,00,000 through CreditHaat platform
- KreditbeecorePartner lender offering instant personal loans ranging from ₹1,000 to ₹3,00,000
- MoneyViewcorePartner lender offering personal loans for salaried and self-employed individuals through CreditHaat
- Tata CapitalcorePartner lender offering various loan products through CreditHaat marketplace
- CASHe (Bhanix Finance)corePartner lender offering personal loans for salaried individuals ranging from ₹50,000 to ₹3,00,000
- FlexiLoanscorePartner lender offering unsecured business loans for MSMEs ranging from ₹50,000 to ₹1,00,00,000
- FinnableminorPartner lender offering personal loans ranging from ₹50,000 to ₹10,00,000
- SmartCoinminorPartner lender offering credit solutions through CreditHaat platform
- PrefrminorPartner lender offering credit products through CreditHaat marketplace
- KrazybeeminorPartner lender for credit products on CreditHaat platform
- MoneytapminorPartner offering digital credit lines ranging from ₹3,000 to ₹5 Lakhs
- ExperiancoreCredit bureau partnership providing free credit score access to CreditHaat users. Users consent to CreditHaat accessing their credit information from Experian for availing pre-approved offers.
Scale indicators4 records
Recent moves5 records
Expansion highlights4 records
CreditHaat competitors and assessment
Company assessmentDirect peers
- CreditMantri: Chennai-based credit-health and loan-fulfilment platform that uses bureau data to match borrowers with lenders. Highly comparable given CreditHaat's Experian-powered credit-score funnel feeding into partner lender offers.
- Paisabazaar: India's leading personal loan, business loan and credit card marketplace owned by PB Fintech. Operates the closest comparable model to CreditHaat - multi-lender comparison with commission-based revenue - making it the most direct head-to-head competitor.
- MoneyMantra: Indian financial product comparison portal offering personal loans, home loans, business loans and credit cards from a network of partner lenders. Directly comparable marketplace model.
- BankBazaar: Mumbai-headquartered financial product marketplace facilitating personal loans, business loans, credit cards and insurance. Competes directly with CreditHaat in the India loan-aggregator category with a similar bank/NBFC partnership model.
- MyLoanCare: Indian personal and business loan marketplace that aggregates offers from multiple lenders. Targets the same borrower segments (salaried, self-employed, MSME) as CreditHaat with comparable SEO-led acquisition.
- Deal4Loans: Among India's earliest online personal-loan aggregators connecting borrowers with banks and NBFCs. Competes for the same Indian consumer-loan search intent as CreditHaat.
Emerging players
- LoanTap: Indian digital lender offering salary-backed personal loans and flexi-term credit to salaried and self-employed professionals. Comparable on product (small-ticket personal loans) but as a direct lender rather than an aggregator.
Others
- NerdWallet: US-listed financial product comparison and aggregator platform. Same underlying marketplace/referral-economics model as CreditHaat, useful as a like-for-like on how digital lending comparison could monetise over time at scale.
- Credit Karma (Intuit): US credit-score-plus-loan-referral platform that built a multi-product financial marketplace atop a free credit-score funnel. Conceptually analogous to CreditHaat's Experian score plus lender-referral model, illustrating the strategic arc.
Broad incumbents
- Policybazaar (PB Fintech): Listed Indian financial-product marketplace that also owns Paisabazaar. A broader incumbent covering insurance, mutual funds, credit cards and loans, whose scale and brand overshadow standalone aggregators like CreditHaat.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
CreditHaat social profiles
Digital presenceCreditHaat financial estimates
Financial estimateRevenue estimate
Valuation estimate
CreditHaat leadership team
Management profileNumber of profiles
Profiles1 record
CreditHaat funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CreditHaat M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CreditHaat
What does CreditHaat do?
CreditHaat is a digital loan aggregator and marketplace that connects individual borrowers and MSMEs with 45+ partner banks and NBFCs to discover, compare, and apply for personal loans, business loans, and credit cards. The platform supports eligibility checks, KYC verification, and disbursal within 24 hours, and also offers free Experian-powered credit score reporting.
Is CreditHaat a public or private company?
CreditHaat is a private company. It is classified as venture growth investor backed and is currently operating.
When was CreditHaat founded?
CreditHaat was founded in 2020. It employs 1 to 10 people.
Where is CreditHaat based?
CreditHaat is headquartered in Pune, India, in the Asia region.
How does CreditHaat make money?
Two revenue lines are on record. Loan Referral Commissions are the primary driver. The others are credit Card Referrals.
Who are CreditHaat's main competitors?
Direct peers on record are CreditMantri, Paisabazaar, MoneyMantra, BankBazaar, MyLoanCare and Deal4Loans. LoanTap is listed as an emerging player. Others are NerdWallet and Credit Karma (Intuit). Policybazaar (PB Fintech) is listed as a broad incumbent.
Does CreditHaat have an API?
No public API is recorded for CreditHaat.
What industry is CreditHaat in?
CreditHaat's product category is Loan Marketplace. Its primary akta.pro industry code is FSAGAHAL, Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching), with a secondary code of FSAKABAJ, Subprime / Credit-Building Credit Cards. Its NAICS code is 522310 and its SIC code is 6141.