Personal Loan

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Get best offers from multiple lenders for all your financial needs

Get Cash in just 2 hours! No paperwork required

  • Collateral FreeGet a Loan without pledging any assets
  • Multiple OffersCompare and choose the best offer
  • Paperless ProcessCompletely digital process with no physical documents required.
  • Instant DisbursalWe offer quick processing and instant disbursals

Personal Loan EMI Calculator

Amount you need
    50K  25L
  12      60
Interest rate* i
*Rate of interest can vary subject to credit profile. Loan approval is at the sole discretion of the finance partner.
  10  %  %  30
Disclaimer: Applicable rate of interest can vary subject to credit profile. Loan approval is at the sole discretion of the finance partner.

Personal Loan Eligibility

  • To be at least 21-years old
  • A healthy credit history
  • A salaried or self-employed individual
  • Net monthly (take-home) income >= 10,000 in your bank account

Lending Partners

  • LTFS
  • Moneyview personal loan
  • Axis bank personal loan
  • Kreditbee personal loan
  • CreditVidya Bank
  • Incred Bank

Locations for Personal Loan

Rupyy currently provides Personal Loan across 19000+ pin codes in India.

  • Loan against car in AhmedabadAhmedabad
  • Loan against car in BangaloreBangalore
  • Loan against car in BhubaneswarBhubaneswar
  • Loan against car in ChandigarhChandigarh
  • Loan against car in ChennaiChennai
  • Loan against car in CoimbatoreCoimbatore
  • Loan against car in Delhi NCRDelhi NCR
  • Loan against car in GuwahatiGuwahati
  • Loan against car in HyderabadHyderabad
  • Loan against car in IndoreIndore
  • Loan against car in JodhpurJodhpur
  • Loan against car in JaipurJaipur
  • Loan against car in KochiKochi
  • Loan against car in KotaKota
  • Loan against car in LudhianaLudhiana
  • Loan against car in LucknowLucknow
  • Loan against car in MumbaiMumbai
  • Loan against car in MysoreMysore
  • Loan against car in MangaloreMangalore
  • Loan against car in MaduraiMadurai
  • Loan against car in NagpurNagpur
  • Loan against car in PunePune
  • Loan against car in RajkotRajkot
  • Loan against car in SuratSurat
  • Loan against car in VadodaraVadodara
  • Loan against car in VisakhapatnamVisakhapatnam

Types of Personal Loan

  • instantloan

    Instant Personal Loans

    are usually pre-approved loans with instant disbursals. These loans are usually offered by banks and NBFCs to their select customers on the basis of their credit

  • shorttermloan

    Short-term Personal Loans

    have short repayment periods ranging from a few days to 12 months.

  • pre-approveloan

    Pre-approved Personal Loans

    are usually offered by banks and NBFCs to their existing customers on the basis of their credit history, income, employer’s profile, etc.

  • personalloan

    Personal Loan for Education

    is for individuals requiring funds for pursuing higher education in India and abroad, vocational courses, etc., and are unable to get a conventional education loan.

  • balancetransfer

    Personal Loan Balance Transfer

    facility allows borrowers to transfer their outstanding personal loan to a new lender for lower interest rates or better loan terms. However, opt for this facility only when the savings made through the transfer outweighs the cost of the loan transfer.

  • op-up

    Personal Loan Top Up

    is offered to existing personal loan borrowers who need additional funds to meet their financial requirements. This loan facility is usually offered to select borrowers having satisfactory loan repayment history and/or have completed a specified number of EMIs.

  • Consumerloan

    Consumer Durable Loans

    can be used to purchase any consumer durable items like smartphones, furniture, microwave, etc. The purchase amount gets divided into EMIs and can be repaid within the tenure decided. Some products may require a down payment or a processing fee while others may not.

Frequently Asked Questions

What are the documents required for a Personal loan?

Depending on your credit profile, you may be required to provide KYC documents, such as proof of identity and current address, if deemed necessary. Additionally, you will need to input your banking information. It is advisable to have the necessary documents and proofs readily available when making your application.

What happens if I can't repay my personal loan?

The outcome may vary depending on the specific lender you have chosen. In general, if you miss 2-3 EMIs (Equated Monthly Installments), it could result in a default being recorded in your credit history. This could potentially pose challenges in obtaining loans in the future.

Can I repay my personal loan early?

Absolutely! It is indeed possible to prepay your personal loan. Typically, lenders do impose a nominal foreclosure fee, but they generally allow borrowers to make early repayments and settle the loan ahead of schedule.

How long does it take to get a personal loan approved with Rupyy?

With Rupyy, you can experience the convenience of having your personal loan swiftly approved and disbursed right after completing the hassle-free instant VKYC process.

What is the maximum amount I can borrow with a personal loan?

With Rupyy, you have the opportunity to secure a loan amount of up to 5 lakhs. By simply applying for a loan, you can promptly and effortlessly check your precise loan offer, ensuring you have access to the information you need without delay.

What is the eligibility criteria for a personal loan?

The eligibility criteria for a personal loan typically includes factors such as age, income, employment status and more. You can click here for more information on our specific eligibility requirements.

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Disclaimer: Rupyy is an online loan aggregator and is authorized to provide services on behalf of its lending partners. The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing. This includes the rate of interest as well as the processing fees, documentation fees and other fees charged during the loan process. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges. The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.

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