All about Insta Personal Loan

Get pre-approved offers, pre-assigned limits and immediate processing on loans up to Rs. 12,76,500.
All about Insta Personal Loan
5 min read
28 Sep 2022

Insta Personal Loan is the latest addition to our portfolio of offerings. This has been crafted keeping in mind the unique requirement of our customers who may need quick access to funds at any given point in time.

For our existing customers

Our existing customers have access to a range of pre-approved offers. One of those is Insta Personal Loan. Herein, we have pre-approved loan limits already assigned, which our customers can check online using their mobile number.

As an illustration, Shyam has an existing consumer durable loan running with us and wants to check if he has a pre-approved offer for Insta Personal Loan. He can click on ‘Check Offer’, enter his registered mobile number, and the OTP. He will get to see the pre-approved loan limit on the screen. Shyam can now choose to either go ahead and avail of the offer or do this at a later stage.

For new customers

Using our technology infrastructure, we have created a platform wherein anyone with a valid mobile number can generate an Insta Personal Loan offer online.

As an illustration, Radhika is not our customer, yet she wants to get an Insta Personal Loan. She can click on ‘Check Offer’, enter her registered mobile number, and the OTP. She will get to see the pre-assigned loan limit on the screen. She can now choose to go ahead with the application process that takes less than five minutes to avail of the offer. Once Radhika’s application is approved, money will be credited to her bank account within 24 hours. In a few cases, it may take a bit longer than 24 hours.

Here are the additional features of our Insta Personal Loans

Pre-approved/ Pre-assigned limits

Our customers don’t need to go through the entire application process to know how much loan they will get. As explained above, our existing customers enjoy pre-approved limits and even for our non-customers, we have pre-assigned limits. This makes it convenient to decide whether to go through the entire application process or not.

Immediate processing

While creating our processes for Insta Personal Loans, we were inspired by the green - channel experience at international airports and wanted to create something similar for our customers. Since we already have the documents, they had provided at the time of taking the first loan or card form us and the repayment track record, for our existing customers we have used this data to create pre-approved offers with a very simple application process.

Flexible loan tenures

We understand that no two customers have the same requirements. Shyam needs a loan for one year and Radhika wants it for five years. We offer flexible tenures ranging from 6 months to 63 months on our Insta Personal Loan. You can choose the tenure that works best for you as a part of the process.

Here is the link to our Insta Personal Loan page, wherein you can read about the product and also check your offer online.

Check Offer


1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.