Short term loan. How's Cred money?

I need a short term loan since my money is stuck in few places, which I am 100% sure to get back. However, I do have travel plans and don't want to push it coz of this. HDFC (I have 2 cc with them) offers me a roi of around 11.5% but fixed payment term. Cred around the same roi with flexibility to close it earlier at no charge. any issues if I close it earlier? Is cred option good? TIA