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Bajaj Finserv App

Personal Loan
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Borrow Money Online with a Personal Loan

Personal loans are now available online, owing to the easy-to-follow application process. Individuals in need of quick funding can borrow money in no time through these unsecured loan options available in high value.

Fulfil your diverse funding needs with an online personal loan from Bajaj Finserv and repay conveniently via easy EMIs. The instant money is available within a few minutes of application for eligible individuals. Some of the top benefits of the advance are emergency financing, high loan quantum, minimum eligibility and documentation.

Online Personal Loan: Features and Benefits

  • Easy Application Process

    Easy online application

    When in need of money urgently, apply for a personal loan online in a few simple steps. Submit your essential personal, professional, and financial details to apply for the advance. Complete your application on the customer portal Experia with the right eligibility fulfilment for easy financing.

  • Instant approval

    Quick approval

    Bajaj Finserv has simplified lending money online with quick approval of the advance within a few minutes of application. Make sure to fulfil all eligibility and document requirements to enjoy hassle-free approval of the advance.

  • Loan disbursal within 24 hours*

    Fast disbursal within 24 hours*

    Borrow money online with personal loan disbursal provided in only under 24 hours* of loan approval. Bajaj Finserv ensures fast disbursal to your account when you need cash under short notice.

  • Online loan account management

    Loan account management on the go

    Along with an online application, you can also access their loan details online with Experia. Login to the digital customer portal with the designated username and password to access your loan account and keep track of essential details, including outstanding loan amount and payment due date on the go.

  • High-value financing of up to Rs.25 Lakh

    High-value financing

    Borrow money up to Rs.25 lakh with Bajaj Finserv to meet your big-ticket financing needs. The personal loan is a collateral-free advance and comes with zero restriction on end use, allowing you to fulfil diverse funding needs. Get immediate access to funds to meet your personal as well as professional financing requirements such as education, medical emergency, travel, wedding and home renovation without hassle.

  • Minimum documentation

    Minimum documents required

    Provide only a handful of essential documents to borrow money with Bajaj Finserv Personal Loan. The standard paperwork requirement includes documents for identity, address, and employment.

  • Extended tenor for repayment

    Now, repay the advance with tenor selection as per your financial capacity. Bajaj Finserv provides this flexibility with a tenor of up to 60 months to facilitate repayment via easy EMIs.

    It takes only a simple computation with a personal loan EMI calculator to determine tenor suitability. Provide minimal details such as the loan amount required, a suitable tenor, and the interest rate applicable to assess EMI suitability.

  • Flexi Hybrid feature

    Flexi Hybrid feature

    With the Flexi facility on the Bajaj Finserv Personal Loan, you can now withdraw funds from a pre-sanctioned loan amount as and when they need money. Such withdrawal comes with no additional application and/or paperwork requirement. Also, interest is charged only on the amount used and not on the total sanctioned limit, making EMIs affordable by as much as 45%*.

  • No hidden charges

    Nil hidden charges

    Now borrow money without worrying about any hidden charges with our 100% transparent terms of lending. All fees and charges along with the rate of interest are also kept at a minimum to ensure affordability. Make sure to take into consideration the list of applicable charges to estimate your repayment liability.

  • Pre-approved offers

    Pre-approved offer

    Apply online with the pre-approved offer for quick access to funds when you need money urgently. It reduces the time taken for loan processing and allows customers to check maximum loan amount eligibility. Provide only your essential contact details such as your name and contact number to check your personalised pre-approved offer when you need urgent money. The offer is also available on several other financial products extended by Bajaj Finserv.

Eligibility and Documents Required for Online Personal Loan

Fulfil the following requirements to borrow money online with a personal loan from Bajaj Finserv.

  • Age between 23 and 55 years
  • Employment with an MNC, a public or a private sector company
  • Resident citizenship of India
  • Credit score of not less than 750
  • Minimum salary requirement as per the city of residence
The documents required include -
 
  • KYC documents such as Aadhaar Card, Voter ID Card and PAN Card
  • Employee ID card
  • Last 2 months’ salary slips
  • Bank account statements for 3 previous months

 

Interest Rates and Charges

Bajaj Finserv keeps the charges and interest rate on Personal Loans competitive to enable affordable repayment.
 

How to Apply?

Complete the following steps to borrow money online from Bajaj Finserv.

  • 1. Fill in the online application form with required personal, employment, and financial details.
  • 2. Choose your suitable loan amount and tenor to proceed and get loan approval.
  • 3. Complete paperwork with our representative getting in touch with you.
  • 4. Receive money in your account within 24 hours*.

*Conditions apply

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