Oolka: AI Credit Score App

Check your Experian credit score free in 30 seconds and get AI insights on exactly what's pulling it down. Oolka is India's first AI credit expert, trusted by 70 lakh+ Indians.
Oolka is India's first AI credit expert app. We help you understand your credit score, find what's hurting it, and fix it step by step. No paperwork. No bank visits. No hidden charges.
WHAT YOU GET FOR FREE
✓ Credit score check, anytime
✓ AI insights on what's pulling your score down
✓ Weekly score tracking, with history
✓ Smart EMI reminders before every due date
✓ Loan and credit card health dashboard
AI THAT WORKS FOR YOUR CREDIT SCORE
Oolka reads your full credit report and tells you, in plain English, exactly what's hurting your score. Which payments are reflecting late. How high your credit utilization is. Which closed accounts are still showing as active. The same habits, like on-time EMIs and low credit utilization, strengthen your Experian score and your overall credit profile.
Ask Oolka AI any question about your credit score, free, any time.
EMI MANAGEMENT, ALL IN ONE PLACE
See every loan, credit card, and due date in one view. Get reminders before each EMI is due. Pay EMIs across multiple lenders directly from Oolka through BBPS, via our partnership with a BBPOU authorised by NPCI. Real-time confirmations. Avoid late fees that damage your credit score.
FIX WRONG ENTRIES ON YOUR REPORT
Errors in your credit report are common and can quietly cost you 50 to 100 points. Oolka flags incorrect entries, drafts dispute emails for you, and tracks corrections until your report is fixed. Cleaner, more accurate credit data, faster.
REWARDS FOR GOOD CREDIT BEHAVIOUR
Pay on time, earn cashback. Improve your credit score, earn more cashback. Building a strong credit profile is now rewarding, not just responsible.
PRIVACY AND SECURITY
Your data is encrypted in transit. You can request deletion anytime. Oolka uses Gmail send access to draft and send dispute and follow-up emails to lenders on your behalf. Emails are only sent with your explicit approval.
OUR PARTNER NBFCs
InCred Financial Services Limited (Formerly "KKR India Financial Services Limited")
OUR PARTNER CREDIT CARD ISSUER BANKS
IDFC First Bank
Yes Bank
AU Small Finance Bank
WHAT WE OFFER FOR LOANS
Min and Max Repayment Period: 3 to 36 months
APR: 14% to 36%
WHAT WE OFFER FOR CREDIT CARDS
Apply for Secured Cards issued by partners
Apply for Unsecured Cards issued by partners
SAMPLE PERSONAL LOAN CALCULATION
For ₹6,30,000 over 36 months:
Processing fee (2% of loan amount + 18% GST): ₹14,868
Interest rate: 14.5% p.a. (on reducing principal balance)
EMI: ₹21,685
Total amount payable: ₹7,80,668
Total interest paid: ₹1,50,668
Total cost of loan: ₹1,65,536
APR (Annual Percentage Rate): 17.45%
ELIGIBILITY FOR PERSONAL LOAN
Age: 21 to 55 years
Minimum in-hand monthly salary: ₹25,000 and above
Should be a resident of India
ELIGIBILITY FOR CREDIT CARDS
Age: 21 to 65 years
Minimum in-hand monthly salary: ₹25,000 and above
Should be a resident of India
LOAN EMI PAYMENTS SUPPORTED
Oolka supports loans disbursed by Krazybee Services Private Limited, Bajaj Finance Limited, Snapmint Financial Services Pvt Ltd, Navi Finserv Limited, Muthoot Finance Limited, Speel Finance Company Pvt Ltd, DMI Finance Private Limited, Shriram Finance Limited, Tata Capital Ltd, and many more. Oolka supports all loans payable via the Bharat Connect ecosystem.
PRIVACY POLICY
https://oolka.in/privacy-policy
REACH OUT TO US
:email: help@oolka.in
:phone: 011-40846061