How to get an instant loan

Step-by-step guide to checking your Insta Loan offer.
How to get an instant Personal Loan
3 min read
6 Jan 2023

Many people turn to instant personal loans to get through a tight financial situation. These instant loans have an advantage over regular loans because of how quickly the amount is disbursed.

If you are looking for this type of finance, our Insta Personal Loan is the best option. It is designed to meet your immediate funding needs. You can check your offer without even going through the entire application process.

If you are an existing customer

Our existing customers benefit from pre-approved loan offers. All you need to do is, simply enter your phone number and OTP for this information.

Check your pre-approved offer

If you are a new customer

Our service lets anyone with a working mobile number check their Insta Personal Loan offer. These deals have pre-assigned limits. We may need further paperwork to process the loan application.

If you do not see an offer

If you do not see an offer or wish to borrow more, you can choose our standard personal loan. It takes less than 5 minutes to apply.

Key features of instant loans

Insta Personal Loan


Loan amount

You can get funds up to Rs. 10 lakh.


Flexible tenure ranging up to 60 months.

Disbursal time

Quick disbursal in just 30 minutes* to 4 hours.


No documents required in most cases; new customers may need to submit basic KYC documents.

A step-by-step guide to checking your Insta Personal Loan offer

  1. To access our online form, click on the 'CHECK OFFER' button on this page.
  2. Enter your 10-digit mobile number, then enter the OTP to verify your number.
  3. Now you will see an offer with a pre-assigned loan limit. You can either accept it or decide on a smaller sum.
  4. Pick a loan tenure that works best for you.
  5. To complete the online form, click on "PROCEED."

The online process may vary depending on whether you're a new or existing customer. Some customers may require additional papers to complete their Insta Personal Loan application. Insta Personal Loan has flexible loan tenures ranging up to 60 months.

Eligibility criteria and documents required to get an instant loan

Since Insta Personal Loan has pre-approved offers, you do not need to check your eligibility. Select customers can get our instant loan without submitting any documents such as income proof, KYC documents and so on. Some customers may need to submit basic paperwork to get the loan.

How to improve your chances of getting an instant loan

Your Insta Personal Loan offer is generated after considering several parameters such as credit history, CIBIL Score, income and so on. Maintaining a good credit score and debt-to-income ratio, and paying EMIs on time are some of the things that can increase your chances of getting an instant loan offer.

Things to consider when you opt for an instant personal loan

Once you check your Insta Personal Loan offer, you can decide to go with the offer or choose a smaller amount. You can use our Insta Personal Loan EMI Calculator to check your monthly EMIs and choose an amount that suits you best.

Choosing a longer tenure can lower your EMIs, whereas a shorter tenure can lower your total applicable interest.

Calculate your EMIs

If you are looking for an instant loan which can be transferred to your account quickly, this is a perfect choice.

Check Offer

*Applicable for select customers.

Frequently Asked Questions

What is an instant loan?

Instant loans are credit options which are disbursed quickly and have a fast application process. The Bajaj Finserv Insta Personal Loan is disbursed within just 30 minutes* to 4 hours.

*Applicable for select customers.

Who can take an instant loan?

Anyone can apply for a Bajaj Finserv Insta Personal Loan. All you need to do is enter your mobile number and OTP to check your offer.

What are the documents required to get an instant loan?

In most cases, you do not have to submit any documents to get a Bajaj Finserv Insta Personal Loan. Some customers may need to submit basic paperwork such as KYC documents.

How do you pay back instant loans?

You can set up a NACH mandate with your bank to repay instant loans.

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