Published Jun 23, 2025 3 Min Read

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A consumer durable loan helps individuals purchase essential lifestyle products like appliances, electronics, and furniture without straining the finances. Instead of paying the full amount upfront, the total cost is divided into manageable monthly instalments. This makes it easier for families and individuals to upgrade their homes, especially during festive seasons or urgent replacement needs, without compromising on quality or features. These loans typically come with flexible repayment tenures, minimal documentation, and quick approvals, making them highly accessible for a wide range of buyers.

Bajaj Finserv offers the Easy EMI Loan with loan amounts of up to Rs. 5 lakh, flexible repayment options, and zero down payment on select models—helping you shop smartly without disrupting your savings.


 

Key features of a consumer durable loan

From quick approval to extensive product choices, Bajaj Finserv's consumer durable loan is designed to make shopping easy and stress-free. Check out some of the key features below:

  • Choose from over 10 lakh products across categories like electronics, appliances, and more.
  • Quick approval and hassle-free documentation make the application process smooth and speedy.
  • Loan amount of up to Rs. 12 lakhs, ideal for both everyday and high-value purchases.
  • Flexible EMIs help you split payments and ease your monthly financial burden.
  • Customisable tenure between 3 to 60 months, depending on your repayment comfort.
  • Instant eligibility check and loan limit visibility online—get started in just a few clicks.
  • Wide availability at over 1.5 lakh partner stores in 4,000+ cities for maximum convenience.
  • Zero down payment options available on select items, making upgrades even more accessible.

Easy EMIs and flexible tenure of the consumer durable loan

FeatureDescription
Easy EMI optionsBreak down your purchase into affordable monthly installments.
Loan amountGet financing up to Rs. 12 lakh, depending on eligibility and product type.
Flexible tenureChoose repayment terms ranging from 3 to 60 months to suit your budget.
Zero down paymentAvailable on select products, so you can buy without upfront costs.
Quick approvalInstant loan approval, often within minutes, for faster shopping.
Minimal documentationHassle-free process with basic KYC and income proof requirements

Easy EMI and Flexible Tenure-(H2 Tabular 150 200)

Instant approval and minimal documentation for a consumer durable loan

FeatureDescription
Instant approvalGet loan approval within minutes, online or offline.
Basic KYC documentsSubmit simple ID and address proof like Aadhaar, PAN, or voter ID.
Real-time eligibility checkKnow your loan limit instantly with just a few clicks.

Frequently asked questions

What are the benefits of a consumer durable loan?

The benefits of a consumer durable loan include:

  • Quick approval: Get your loan approved within a few minutes and shop for your desired products in-store.
  • Over 10 lakh products on EMIs: Shop for over 10 lakh products from verified local sellers offering quality products and great service.
  • Shop at over 1.5 lakh stores: Buy genuine products from over 1.5 lakh partner stores across 4000+ cities in India.
  • Zero down payment offers: Avail zero down payment offers at your nearest partner store.
What is the limit of a consumer durable loan?

You can secure a substantial loan of upto 12 lakh and purchase the appliance of your choice.

Is a consumer durable loan secured or unsecured?

These loans are unsecured as you are not required to provide any collateral in order to obtain it.

What items are included in a consumer durable loan?

You can choose from a wide range of products, including appliances and electronics such as refrigerators and washing machines, and televisions from trusted brands.

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Bajaj Finserv App for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals. 

You can use the Bajaj Finserv App to: 

Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more. 

  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements, and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app. 

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (BAJAJ FINANCE) 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. 

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