How to get a pre-approved loan with a salary less than Rs. 25,000

Read about the salary requirements and eligibility criteria for our Insta Personal Loan.
How to get a pre-approved loan with a salary less than Rs. 25,000
3 min read
3 Mar 2023

Pre-approved loans are usually available to customers who already have a relationship with a lender and have a strong repayment history. When you receive a pre-approved loan offer, the lender has already carefully evaluated your financial history, credit score and more. As a result, the loan will be processed fast, and the funds will be disbursed quickly. Our Insta Personal Loan is the best option for people who need quick access to funds at any time.

Check your pre-approved offers

A monthly salary of at least Rs. 25,001 is required to be eligible for a regular personal loan from Bajaj Finance Limited. However, it could change depending on the city you live in. It is Rs. 30,000 per month in cities like Ahmedabad and Kolkata, and Rs. 35,000 per month in cities like Bangalore, Delhi, Mumbai, or Pune.

However, in the case of Insta Personal Loans, there is no specific salary requirement since we have already evaluated your profile and have generated an offer for you. Even new customers can simply enter their mobile number and OTP to check their Insta Personal Loan offer. The offer you get depends on several factors such as your repayment history, salary, age, and more.

Eligibility criteria and documents required for less than Rs. 25,000 salary

Our Insta Personal Loan is available to everyone. Whether you are an existing customer or a new one will determine your eligibility and documentation needs.

If you are an existing customer

Since you are already a customer and have a pre-approved offer, there are no other eligibility requirements that you may need to fulfil. Some of our existing customers might be asked to provide additional documents, such as their bank statements and KYC documents. 

If you are a new customer

New customers who want an Insta Personal Loan offer might need to submit extra documentation and undergo a CIBIL check.

If you don’t see an offer

In the above-mentioned situations, if you do not see an offer or require a larger loan amount than the pre-determined limit, you have the choice to complete our standard online application process, which takes less than 5 minutes.

Steps to avail of Insta Personal Loans with salary up to Rs. 25,000

Getting our Insta Personal Loan is simple. You only need to follow the steps below to get an offer.

  1. Click on ‘CHECK OFFER’.
  2. Enter your 10-digit mobile number and OTP.
  3. Go with the pre-assigned limit or choose a different loan amount.
  4. Choose a repayment tenure that suits you best.
  5. Click on ‘PROCEED’ to complete the online process.

The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Here is a link that will take you to the Insta Personal Loan page, where you can learn more about the product and check your offer online.

Check Offer


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Frequently asked questions

What are the eligibility criteria for a personal loan for Rs. 25,000 salary?

Since Insta Personal Loan is pre-approved, you are already eligible for it. We check several parameters such as credit score, repayment history and more before extending an offer.

How can I check my Insta Personal Loan offer?

You can check your offer simply by clicking on ‘check offer’ and entering your mobile number and OTP.

Do I need to check my credit score before obtaining an Insta Personal Loan?

We look at various parameters before extending an Insta Personal Loan offer, including your credit score, financial history, income details and more.
You do not need to check your score to get a pre-approved offer.

Do I need any documents to get an Insta Personal Loan?

Minimal documentation is a key feature of Insta Personal Loans, and in some cases, you might not even need to provide any documents. In case you are asked for documents, you will only need the following:

  • KYC documents such as Aadhaar, passport, driving license, voter’s ID, or a Letter of National Population Register
  • PAN card
  • Cancelled cheque
  • Bank account statements for the last 3 months
  • Salary slips for the last 3 months
How much personal loan can I get on a Rs. 25,000 salary?

Your personal loan amount depends upon several factors apart from salary, such as your credit score, repayment history, and so on.

What is the credit score required for a Rs. 25,000 loan?

We look at several parameters before preparing your Insta Personal Loan offer, including your credit score, financial history, income details and more. Since we verify your credit score, you do not need to be aware of your score before checking your pre-approved loan offer.

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