Can I Get Short Term Loan for 3 Months Online

Get instant access to funds through our Insta Personal Loan. Benefit from pre-approved offers and apply now for a short-term loan.
Insta Personal Loan
3 min

A short-term loan for 3 months is a type of borrowing that provides quick access to funds for a short period. These loans are often used to cover unexpected expenses or emergencies, such as car repairs or medical bills. They are usually repaid in full, along with any fees or interest, within a short timeframe, often within 3 months. Short-term loans can be helpful for those in need of immediate cash but should be used judiciously due to their high-interest rates and potential for debt accumulation.

If you are looking for a short-term personal loan, consider our Insta Personal Loan which gives you access to funds you need in just a few moments. With pre-approved offers that you can check in just two clicks and a disbursal time of 30 minutes*, this is the ideal solution if you need a loan starting from Rs. 20,000 to Rs. 12,76,500.

What is a short-term loan?

A short-term loan is a type of personal loan that provides quick access to funds to meet immediate financial needs. Insta Personal Loan from Bajaj Finance, is designed to provide hassle-free and quick disbursal within minutes, making it an ideal choice for urgent financial requirements.

Features of short-term loans

Here are some of the features that make short-term loans such as the Insta Personal Loan an ideal choice when you need money urgently:

  • Pre-approved offers: Simply enter your mobile number and OTP to check the offer. This quick application process makes Insta Personal Loan perfect for emergencies where time is of the essence.
  • Quick disbursal: Select customers can get the funds in their bank account in as little as 30 minutes*.
  • Flexibility: Insta Personal Loan offers flexibility in terms of loan amount and repayment tenure. You can choose the loan amount as per your requirement and select a convenient repayment tenure of up to 63 months.
  • No collateral: Insta Personal Loan is an unsecured loan, which means you don't need to provide any collateral to avail of the loan.

Eligibility criteria for a short-term personal loan

Since Insta Personal Loan provides pre-approved offers, the eligibility depends on whether you are a new customer or have an existing relationship with us.

Existing customers get pre-approved offers and hence, do not need to check further eligibility criteria. However, some existing customers might be required to submit additional documents, such as proof of income, KYC documents, and bank statements.

New customers who have received an Insta Personal Loan offer may be subject to a CIBIL check and may need to provide additional documentation. The application process and required documentation may vary slightly for new customers.

Check eligibility criteria for Insta Personal Loan

Documents required for a short-term personal loan

Since Insta Personal Loan provides pre-approved offers, the documentation requirement varies depending on your profile. Typically, it is a good idea to keep the following documents handy:

  • KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
  • PAN card
  • Employee ID card
  • Salary slips of the last 3 months
  • Bank account statements for the previous 3 months
  • Utility bills for electricity and piped gas

Interest rates and charges applicable on short-term personal loans

When you are looking at a short-term loan to manage your financial needs, it is necessary to consider all the fees and charges associated with it. Check the Insta Loan interest rates before proceeding with your application.

How to apply for a short-term personal loan

Here is how you can apply for our Insta Personal Loan:

  • To begin, select 'CHECK OFFER' located at the top of this page to access our online form.
  • Enter your 10-digit mobile number and verify your profile using the OTP sent to your phone.
  • Upon verification, you will be presented with a pre-assigned loan limit offer. You can either accept this offer or choose a lower amount if desired.
  • Next, select a repayment tenure that best fits your needs.
  • Finally, click on 'PROCEED' to finalise the online process.

Please note that the online process may vary depending on whether you are a new customer or have an existing relationship with us.


A short-term loan, such as Insta Personal Loan, can be a lifesaver in times of financial need. Whether you need funds for medical emergencies, travel expenses, or any other urgent requirement, Insta Personal Loan provides pre-approved offers, flexibility, and quick disbursal, making it the ideal choice for your financial emergencies.

Check your pre-approved offer

*Terms and conditions apply.


While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us.

*Terms and conditions apply

Frequently asked questions

How much amount can I get with a short-term loan?
You can get funds of up to Rs. 12,76,500 with our Insta Personal Loan.
Can self-employed individuals avail of short-term loans?
Bajaj Finance Limited offers Insta Personal Loan to both, self-employed and salaried individuals.
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