Get Instant Personal Loan upto In 3Hrs Minimal Documentation- Lower Interest Rate.

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Instant Personal Loan Disbursal In 3Hrs

A personal loan is a type of unsecured loan that can be used for various financial needs, including debt consolidation, home renovation, medical emergencies, or even funding a wedding. At FinCrif, we provide personalized loan solutions that help you meet your financial goals with ease. Whether you're planning a big purchase or dealing with unexpected expenses, a personal loan from FinCrif offers flexibility and quick access to funds, all at competitive interest rates.

  • Minimal documentation
  • Starting ROI 10.25%* Onwards
  • Flexible tenure up to 5 years
  • Max Loan Amount 40L - 1 Cr
Customers Rating
❤️ Trusted by 12,00,000+ Happy Customers
1+ Million

Happy Customers

Rs. 250+ crore

Monthly Personal Loans Disbursal

Wide Range of 60+

Partner Banks & NBFCs

Support team 500+

Team Size of Experts

Why You Need a Personal Loan?

clayou take care life’s unplanned expenses. Here are a few reasons why you might need a personal loan:

  • Debt Consolidation: Combine high-interest debts into a single, more manageable payment, reduce your emi burden upto 45%.
  • Home Renovation: Renovate your home without straining your savings
  • Medical Emergencies: Cover urgent medical bills or treatments
  • Wedding Expenses:Finance your dream wedding with a simple, quick personal loan.
  • Education Costs: Support higher education for yourself or your children without stressing over upfront costs.

At FinCrif, we understand that each borrower’s needs are unique, and we offer tailored personal loan solutions to suit a wide range of purposes.

Benefits of Taking a Personal Loan from FinCrif

Our personal loans come with multiple advantages that set us apart from the competition:
  • Quick Processing: Our streamlined loan application process ensures that you get access to funds swiftly. In most cases, your loan can be approved within 3 hours, letting you take care of immediate expenses.
  • No Collateral Required: Unlike other forms of loans, a personal loan from FinCrif does not require any collateral or security, which means you don’t have to risk your assets to borrow.
  • Flexible Repayment Tenure: We provide flexible repayment tenures ranging from 12 months to 84 months, allowing you to choose a plan that best fits your financial situation.
  • Competitive Interest Rates: We offer some of the most competitive interest rates in the market, ensuring that your borrowing costs are minimized starting at 10.25%.
  • Easy Eligibility Criteria: At FinCrif, we believe in making credit accessible. Our eligibility criteria are simple, so whether you’re salaried or self-employed, you can easily apply for a personal loan.
  • Transparent Process: With FinCrif, there are no hidden fees or charges. We maintain complete transparency throughout the loan process, from application to repayment.

How to Apply for a Personal Loan

Applying for a personal loan at FinCrif is easy and hassle-free. Here’s a step-by-step guide to get you started:

  • Check Eligibility: Use our online eligibility calculator to determine the loan amount you qualify for.
  • Fill Out the Application Form: Provide your basic details such as name, contact information, employment details, and the loan amount required.
  • Submit Documents: Upload necessary documents such as identity proof, income proof, and address verification. All documentation can be submitted online for your convenience.
  • Loan Approval: Once we’ve reviewed your application and documents, we’ll process your loan approval. In most cases, you’ll receive approval within 3-24 hours.
  • Disbursement of Funds: After approval, the loan amount will be directly credited to your bank account.

FinCrif simplifies the loan process, so you can focus on your financial needs rather than paperwork.

Eligibility Criteria for a Personal Loan

To be eligible for a personal loan from FinCrif, you need to meet the following criteria:

  • Age: You should be between 21 to 60 years old.
  • Income: Salaried individuals should have a minimum monthly income of ₹25,000. Self-employed individuals should demonstrate a stable business income.
  • Credit Score: A credit score of 650 or above increases your chances of approval.
  • Employment Status: Salaried employees need at least 1 year of continuous employment. For self-employed individuals, a minimum of 3 years of business continuity is required.
  • Residency: You must be an Indian citizen residing in the country.

At FinCrif, we cater to both salaried professionals and self-employed individuals, offering customized solutions based on your financial profile.

Documents Required for Personal Loan

When applying for a personal loan, you need to provide a few documents for verification. Here's what you'll need:

  • Identity Proof: Aadhar card, PAN card, Passport, or Voter ID.
  • Address Proof: Utility bill, rental agreement, or any government-issued address proof.
  • Income Proof: Salary slips for salaried individuals and bank statements or income tax returns for self-employed applicants.
  • Bank Account Details: A canceled cheque or recent bank statement.

All documents can be uploaded digitally for a seamless application process.

Personal Loan Interest Rates and Fees

At FinCrif, we provide personal loans at competitive interest rates, ensuring affordability for all our customers. Here’s a breakdown of our current interest rates and applicable fees:

  • Interest Rates: Starting from 10.25% per annum. The final interest rate will depend on your credit score, loan amount, and repayment tenure.
  • Processing Fee: A nominal fee ranging from 1% to 2% of the loan amount is charged at the time of loan approval.
  • Prepayment Charges: If you wish to prepay your loan, we charge a minimal fee of 2-4% on the outstanding amount depending on banks/NBFC criteria.
  • Late Payment Fees: Ensure timely repayments to avoid late payment charges. A penalty of 1.5-2% per month may apply on the overdue amount.

FinCrif is committed to offering transparent and customer-friendly loan products, with no hidden charges or unpleasant surprises.

At FinCrif, we make the personal loan process simple, quick, and transparent. With flexible repayment options, competitive interest rates, and no need for collateral, our personal loans are designed to meet your individual financial needs. Whether it’s an emergency or a planned expense, a personal loan from FinCrif can be the financial boost you need to reach your goals. Apply today and take advantage of our fast approval process, so you can focus on what matters most to you.

Compare the best Personal loan offers

idfc-first-bank
IDFC First Bank
Interest Rate Range
10.25%
Processing Fee
1%
Max Loan Amount
₹ 1 cr
Tenure Range
6 month to 5 year
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bajaj-finserv
Bajaj Finserv
Interest Rate Range
10.25%
Processing Fee
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Max Loan Amount
₹ 35 lacs
Tenure Range
1 to 7 years
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tata-capital
Tata Capital
Interest Rate Range
10.99%
Processing Fee
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Max Loan Amount
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Tenure Range
upto 6 Years
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axis-finance
Axis Finance
Interest Rate Range
13.0%
Processing Fee
0-1%
Max Loan Amount
₹ 15 lacs
Tenure Range
0 to 3 years
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axis-bank
Axis Bank
Interest Rate Range
10.49%
Processing Fee
0-1%
Max Loan Amount
₹ 15 Lacs
Tenure Range
1 to 5 years
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fullerton-india
Fullerton India
Interest Rate Range
11.99%
Processing Fee
0-2%
Max Loan Amount
₹ 25 lacs
Tenure Range
1 to 5 years
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finnable
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Interest Rate Range
12%
Processing Fee
0-1%
Max Loan Amount
₹ 10 Lacs
Tenure Range
Upto 5 years
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incred
Incred
Interest Rate Range
13.99%
Processing Fee
0-1%
Max Loan Amount
₹ 15 lacs
Tenure Range
1 to 5 years
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faircent
FairCent
Interest Rate Range
9.99%
Processing Fee
0-3%
Max Loan Amount
₹ 10 lacs
Tenure Range
6 months to 3 years
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upwards
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Interest Rate Range
18%
Processing Fee
0-2%
Max Loan Amount
₹ 3 Lacs
Tenure Range
1 to 5 years
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moneyview
Moneyview
Interest Rate Range
15.96%
Processing Fee
2%
Max Loan Amount
₹ 10 Lacs
Tenure Range
1 to 5 years
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standard-chartered-bank
Standard Chartered Bank
Interest Rate Range
9.55%
Processing Fee
0-1%
Max Loan Amount
₹ 1 lacs to 50 lacs
Tenure Range
1 to 5 years
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iifl
IIFL
Interest Rate Range
12.75%
Processing Fee
0-3%
Max Loan Amount
₹ 1 lacs to 25 lacs
Tenure Range
1 to 5 years
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indusind-bank
IndusInd Bank
Interest Rate Range
10.49%
Processing Fee
0-2%
Max Loan Amount
₹ 3 Lacs to 75 Lacs
Tenure Range
1 to 50 years
Apply
kotak-bank
Kotak Bank
Interest Rate Range
10.99%
Processing Fee
0-2%
Max Loan Amount
₹ 30 Lacs
Tenure Range
1 to 5 years
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icici-bank
ICICI Bank
Interest Rate Range
10.25%
Processing Fee
0-1%
Max Loan Amount
₹ 50 Lacs
Tenure Range
1 to 6 years
Apply
rbl-bank
RBL Bank
Interest Rate Range
18%
Processing Fee
0-2%
Max Loan Amount
₹ 20 lacs
Tenure Range
1 to 5 years
Apply
hdb-financial
HDB Financial
Interest Rate Range
10% - 35%
Processing Fee
0-3%
Max Loan Amount
upto ₹ 20 lacs
Tenure Range
1 to 5 years
Apply
idbi-bank
IDBI Bank
Interest Rate Range
11.0%
Processing Fee
1 %
Max Loan Amount
₹ 5 Lacs
Tenure Range
1 to 5 years
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hdfc-bank
HDFC Bank
Interest Rate Range
10.75%
Processing Fee
2.50%
Max Loan Amount
₹ 40 Lakhs
Tenure Range
1 to 5 years
Apply
karur-vysya-bank
Karur Vysya Bank
Interest Rate Range
11.15%
Processing Fee
0.50%
Max Loan Amount
upto ₹ 75 lacs
Tenure Range
1 to 6 years
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union-bank-of-india
Union Bank of India
Interest Rate Range
11.35%
Processing Fee
1.0%
Max Loan Amount
upto 15 lacs
Tenure Range
1 to 5 years
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canara-bank
Canara Bank
Interest Rate Range
10.95%
Processing Fee
0.50%
Max Loan Amount
upto ₹ 10 lacs
Tenure Range
0 to 7 years
Apply
bank-of-maharashtra
Bank of Maharashtra
Interest Rate Range
10.0%
Processing Fee
1%
Max Loan Amount
upto ₹ 20 lacs
Tenure Range
0 to 7 years
Apply
federal-bank
Federal Bank
Interest Rate Range
11.49%
Processing Fee
2.50%
Max Loan Amount
₹ 50 lacs
Tenure Range
1 to 5 years
Apply
syndicate-bank
Syndicate Bank
Interest Rate Range
12%
Processing Fee
0.50%
Max Loan Amount
₹ 5 lacs
Tenure Range
1 to 5 years
Apply
bank-of-baroda
Bank of Baroda
Interest Rate Range
11.40%
Processing Fee
0-2%
Max Loan Amount
₹ 15 Lacs
Tenure Range
1 to 7 years
Apply
pnb
PNB
Interest Rate Range
10.95%
Processing Fee
0-1%
Max Loan Amount
upto 20 lacs
Tenure Range
1 to 6 years
Apply
yes-bank
Yes Bank
Interest Rate Range
10.99%
Processing Fee
2%
Max Loan Amount
₹ 40 lacs
Tenure Range
1 to 5 years
Apply
aditya-birla-capital
Aditya Birla Capital
Interest Rate Range
10.99%
Processing Fee
3%
Max Loan Amount
₹ 50 Lacs
Tenure Range
0 to 7 years
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paysense
Paysense
Interest Rate Range
16.80%
Processing Fee
0-2%
Max Loan Amount
₹ 15 Lacs
Tenure Range
3 Months to 5 years
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moneytap
MoneyTap
Interest Rate Range
13%
Processing Fee
0-1%
Max Loan Amount
upto ₹ 5 lacs
Tenure Range
2 months to 3 years
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FAQ - Online Personal Loan Frequently Asked Questions

You can borrow anywhere from ₹50,000 to ₹1Cr. depending on your eligibility.

We offer flexible repayment periods ranging from 12 months to 84 months.

Yes, you can apply, but having a good credit score increases your chances of approval and better interest rates.

Yes, you can prepay your loan after a certain lock-in period. Minimal prepayment charges may apply.