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Personal Loan
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What Are the Do’s and Don’ts While Taking a Personal Loan?

Considering that personal loan comes with no end-usage restriction, you have the provision of using it to fund diverse expenses. Since these loans involve no collateral, you need to consider a few aspects to ease the availability of such credits.
Check out the following do’s and don’ts that you should follow while taking personal loans.


  • Check The Rate of Interest Offered By the Lender
    Since the calculation of personal loan EMIs include both principal and interest amount, thus, make sure to check personal loan interest rates offered by your lender.
  • Check the Eligibility Criteria and Documents
    Bajaj Finserv offers personal loans with easy-to-meet loan eligibility criteria and documents required. Following this, you can avail a personal loan and enjoy its lucrative features.
  • Make Sure That the Loan is in Accordance Wth Your FOIR
    Check upon your current monthly obligations and make sure that it is between 30-50%. It reflects higher personal loan repayment capability and hence, makes you more qualified to avail the requested credit amount.
  • Check the Cost Of the Loan Using a Calculator
    Settle for a loan amount only after using a personal loan calculator. Provide information like – chosen loan tenor, rate of interest offered, and the credit amount. It helps you assess and choose the amount that best suits your repayment capability.


  • Ignore Your Credit Score
    Your CIBIL score reflects your creditworthiness and ensures that you avail the requested loan amount. With a credit score of 750 and above, Bajaj Finserv offers you a loan amount of up to Rs.25 lakh coupled with the best personal loan terms and conditions on your financial deal.
  • Apply Without Calculating Your Required Credit Amount
    Take into consideration the impending expenses and compute the required loan amount before applying for a personal loan. It helps you avoid chances of borrowing more than required and hence, pile up on your monthly financial obligations.
    Such do’s and don’ts help you have convenient access to a considerable loan amount against nominal charges.

Did you know, a good CIBIL score can help you get a better deal on loans and credit cards?