Instant 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.

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 108 months.

Eligibility criteria

• Nationality: Indian
• Age: 21 years to 80 years.
• Employed with: Public, private, or MNC.
• CIBIL Score: 650 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. 

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.