Personal, Business, Home and Vehicle Loans
Help choosing and applying for personal, business, home, property, vehicle and education loans through our partner banks and NBFCs.
Loans
An unsecured loan for medical needs, weddings, travel, education or any personal need, arranged through our partner banks and NBFCs.
- Loans
- Often a few working days after a complete application*
About Personal Loan
A personal loan gives you a lump sum without pledging any security, repaid in fixed monthly EMIs. It can be used for a medical emergency, a wedding, home repairs, travel, education or paying off costlier debt.
Our team checks your eligibility and credit score, compares options from our partner banks and NBFCs, prepares your file and follows up until the lender decides. The interest rate, amount and tenure are set by the lender.
Personal loans are subject to the lender's approval and credit policy. We are not the lender.
EMI Calculator
Estimate only. The actual rate, EMI and eligibility are decided by the lender.
Who Needs This Service
- Salaried employees with a regular monthly salary
- Self-employed professionals and business owners with ITR
- Families facing a medical or other urgent expense
- People planning a wedding, travel or home repair
- Borrowers who want to combine several costly debts into one EMI
Key Benefits
No security needed
You do not pledge property or other assets.
Use for any need
Medical, wedding, travel, education, repairs or other personal expenses.
Fixed EMIs
Repay in equal monthly instalments over a tenure that suits your income.
Lenders compared
We compare partner lenders so you see the full cost, not just the rate.
Eligibility and Applicability
- Generally 21 to 60 years of age, as per the lender
- Regular income shown through salary slips or ITR
- A credit score the lender finds acceptable
- Existing EMIs within the lender's limits for your income
Age, minimum income and credit score criteria differ by lender and can change. We confirm the current criteria before you apply.
Documents Commonly Required
KYC
- PAN card
- Aadhaar card or other address proof
- Recent passport-size photographs
Income
- Salary slips for recent months (salaried)
- ITR for recent years (self-employed)
- Bank statement for recent months
- Form 16, if available
Document requirements can vary with the lender, product and your profile. We confirm the exact list before you visit. Never share OTPs or passwords with anyone.
Step-by-Step Process
Share your need
Tell us the amount you need and your monthly income.
Eligibility check
We check your credit score, income and existing EMIs.
Compare lenders
We share suitable offers and explain rate, fees and tenure.
Apply
We prepare your documents and submit the application.
Decision and disbursal
The lender verifies and, if approved, credits the loan to your account.
Estimated Timeline and Fees
Estimated timeline
Often a few working days after a complete application
Time depends on the lender's verification and how quickly documents are shared.
Our service fee
Our service fee, if any, is told to you in writing before we begin.
Lender / third-party charges
Processing fee, interest, insurance (if any) and GST are set by the lender and shown in the loan offer.
* Approval, interest rate, loan amount and tenure are decided by the lender under its credit policy.
Common Mistakes to Avoid
- Applying to many lenders at once, which can lower your credit score
- Comparing only the interest rate and ignoring processing fees
- Taking an EMI too large for your monthly income
- Not reading the prepayment and foreclosure charges
Frequently Asked Questions
Do I need security for a personal loan?
No. A personal loan is generally unsecured, so you do not pledge any asset.
How much can I borrow?
It depends on your income, existing EMIs and credit score, and on the lender's policy. We check your eligibility before you apply.
Can I get a personal loan with a low credit score?
It is harder. Some lenders may consider a smaller amount or a co-applicant. We explain your options honestly.
Do you promise approval?
No. The lender decides. We make your file complete so it is processed smoothly.
Related Services
You May Also Need
Education Loan
Loans for college, professional and overseas study, covering tuition, hostel, books and travel, arranged through our partner banks and NBFCs.
Business Loan
Loans for traders, shop owners, manufacturers and service businesses to grow or run the business, through our partner banks and NBFCs.
Talk to Our Team
Have a Question About Personal Loan?
Call, WhatsApp or visit our office. We will explain what applies to you, the documents needed and all charges before you decide.
- Callback during office hours
- Written quote before any work begins
- No obligation to proceed
Speak to an expert
Tell us what you need. We will explain the documents, process and fees before you decide.
Send an Enquiry Chat on WhatsApp Request a Callback