Personal Loan, made simple
Know what lenders check, which documents you need and which charges to compare – before you apply.
Apply karne se pehle samjhein.
We are not a bank or NBFC. Approval, amount and interest rate are decided only by the lender.
Why Personal Loan?
An unsecured loan for personal needs, repaid in fixed EMIs. Rate, amount and tenure are set by the lender.
Medical & family needs
Use it for medical bills, weddings or home repairs.
No collateral
Usually no property or gold needed.
Fixed EMI
Know your monthly payment upfront.
Flexible tenure
Longer tenure = lower EMI, more interest.
Online process
Many lenders accept documents online.
Prepayment
Allowed as per lender’s terms and charges.
Who can apply
- Age within lender’s range
- Stable income
- Good repayment history
- Manageable existing EMIs
- Serviceable city/pincode
- Matching KYC details
General guide only. Each lender sets its own rules; meeting them does not guarantee approval.
Documents
- PAN
- Aadhaar / address proof
- Salary slips
- Bank statements
- Form 16 / ITR
- Photo
The lender may ask for more.
Charges to check
Set by the lender and different for each person. Check these in the Key Facts Statement (KFS) before you sign.
| Charge | What it means |
|---|---|
| Interest rate | Yearly rate on the outstanding amount. |
| APR | Total yearly cost incl. fees – use it to compare. |
| Processing fee | One-time fee + GST, usually deducted. |
| Key Facts Statement (KFS) | Regulated lenders must give you a KFS with the APR and all charges before you sign. |
| Foreclosure | Charge for closing the loan early. |
| Late payment | Extra charge; also hurts your credit score. |
Personal Loan EMI Calculator
Check your approximate monthly EMI before you borrow. Use the rate your lender quotes.
How to apply
- UnderstandRead this page and check your needs.
- PrepareKeep documents ready.
- ChooseSelf-apply or take our paid help.
- Lender decidesApproval and terms are the lender’s call.
Two ways to proceed
Choose what suits you. Both are explained before you decide.
Self-Apply
- Apply directly on the partner’s website or app
- Lender decides approval and terms
- We may get referral commission (disclosed)
Consultation & Assistance
- ₹100 processing fee (non-refundable) incl. free credit score check & analysis
- Help choosing options and preparing documents
- Charges paid 50% at approval, 50% after disbursement
- No GST · No guarantee of approval
Popular personal loan lenders
Compare lenders and apply. Links are shared on WhatsApp until partner links are added.
Prefr
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Poonawalla Fincorp
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Moneyview
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Moneycontrol (partner lenders)
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Stashfin
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.KreditBee
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Fibe
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Navi
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Bajaj Finserv
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Tata Capital
- Digital personal loan application
- Amount, rate & tenure as per lender policy
- Check APR and fees in the KFS
Eligibility: Indian resident, regular income, KYC and credit profile as per lender
Apply NowFinal approval, amount and rate are decided by the lender.Names belong to their respective companies and are used only to identify the products. Features, eligibility and charges change often – always check the provider’s official terms before applying.
Questions about Personal Loan?
Message us on WhatsApp – we explain in simple language. Aapki bhasha mein baat karte hain.
- WhatsApp: +91 90990 08561
- mdexim61@gmail.com
- Mon–Sat, 10:00 AM – 5:00 PM (closed on national holidays)
- We never ask for OTP, PIN or passwords
FAQs
Can I get a loan with a low credit score?
Some lenders may consider it with stricter terms. We cannot promise approval.
Does applying affect my credit score?
Each formal check is recorded as an enquiry. Avoid many applications at once.
How fast is the loan?
It depends on the lender and document checks. We do not promise timelines.
Do you charge a fee?
No fee from us if you self-apply through a partner link. Optional paid consultation: ₹100 processing fee + consultation charges (5% of disbursed amount for personal loan, 3% for business loan), no GST. Shared before you pay.
Will you ask for my OTP or password?
Never. Do not share OTP, PIN, password or CVV with anyone, even if they use our name.
Personal Loan: Interest rate, amount, tenure and charges are decided by the lender and may change.
Disclaimer: We are an independent loan advisory and assistance service provider, not a bank or NBFC. Loan approval and disbursement are subject to the respective lender’s eligibility criteria, credit assessment and internal policies. We do not guarantee loan approval. *T&C Apply.
Consultation charges apply only if you choose our optional paid consultation. Fees are for consulting and assistance services, not a guarantee of approval. We may receive referral compensation from partners when you apply through our links.