Instant Digital Personal Loan

Instant Digital Personal Loan

Check your pre-approved offer in just 2 clicks and apply online to get the funds you need within a day*.

Rs. 40000 - Rs. 55 lakh

You may be eligible for a pre-approved offer

Enter mobile and OTP | Check offer | 100% online application

What is a digital personal loan

  • An urgent need for money can come up anytime. You may need cash for a medical emergency or to clear credit card debt. Bajaj Finance brings you a digital personal loan you can get right from home. Get funds in 24 hours and handle your expenses without delay.


    ✅ You might already have an offer waiting! Check your pre-approved loan offer in just 2 steps.


    An instant digital loan is a loan you apply for online and get money in your account fast. No lines, no delays, minimal paperwork, and no collateral. Just check your offer, pick how much you need, and get the money in 24 hours. Learn about our online digital loans and see how you can get the money you need in just a few hours.

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Key features and benefits of a digital personal loan

Here’s how our instant digital personal loan makes it easy to meet sudden expenses:

  • Instant money with pre-approved offer

    You can check if you have a pre-approved offer for a personal loan with just your phone number and OTP – no need to visit the branch. The quick personal loan disbursal process makes it a great choice to manage emergency expenses.

  • Minimal paperwork

    With a pre-approved offer, you don’t need to upload any documents or proof. In case of no offer, you can apply for the amount you want with minimal documents, subject to approval. The process is all online, so you can apply at any time without leaving your home.


    Additional read: Benefits of Bajaj Finserv Personal Loan

  • High loan amount

    You can get a loan amount based on your personal loan eligibility criteria. Use it for home repairs, education, travel, weddings, or debt consolidation.

  • No collateral needed

    No need to pledge any asset. This makes getting money quick and easy, without extra checks on your property.

  • No hidden fees

    We clearly show the interest rate and other charges. Read the loan agreement carefully to know all the fees. Some of the charges you should pay attention to include the secure fee, processing fee, EMI bounce charges, fees for part-prepayment and foreclosing the loan, and penal interest.

  • Flexible repayment plans

    You can choose to pay back over a repayment period of up to 96 months.

How does a digital personal loan work?


A digital loan is fast and paperless. You apply online, meet eligibility checks, and submit minimal documents. We review your application quickly, and if approved, the money goes to your bank account. You pick a repayment plan that fits your budget.


*Terms and conditions apply

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Eligibility criteria for digital loans

To apply, you need to meet these basic requirements:

  • Eligibility criteria

    • Nationality: Indian
    • Age: 21 years to 80 years.
    • Employed with: Public, private, or MNC.
    • CIBIL Score: 685 or higher.
    • Customer profile: Self-employed or Salaried

    *You should be 80 years or younger, at the end of the loan tenure.

  • Documents required

    • 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 of the previous 3 months
    • Piped gas bill
    • Pension order
    • Letter of Allotment of Accommodation Issued by Employer
    • Property / Municipal tax receipt
    • Utility bill
    • Phone bill
    • Real-time image / photograph
    • Ration card

    Check your eligibility for personal loan using just mobile number and OTP – 100% online process. 

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How to apply for a digital personal loan online

  • Step-by-step guide to apply for a personal loan

    1. Click on ‘CHECK ELIGIBILITY’ on this page.
    2. Enter your 10-digit mobile number and the OTP sent to your phone.
    3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
    4. Now, click on ‘PROCEED’ to visit the loan selection page.
    5. Enter the offer or loan amount that you need. Choose from our personal loan variants.
    6. Choose the repayment tenure and click on ‘PROCEED’.
    7. Complete your KYC and submit your application.

    Our representative will contact you for further steps.

Pro-tip: You can also use the EMI calculator to plan your monthly payments before you apply.


Common uses of instant digital loans

People use them for:

  • Medical emergencies
  • Weddings
  • Higher education
  • Home repairs

With all these benefits, Bajaj Finserv Personal Loans are perfect for getting funds instantly. Check your pre-approved loan offer now to get a deal made just for you.


*Terms and conditions apply.

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Key offerings: 3 loan types

Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.