Insta Personal Loan for Higher Education

Course fees and extra certifications

Check your pre-approved loan offer in 2 steps → Apply online in 5 minutes → Get funds for your education in 30 minutes*.

Your education loan may take care of core tuition, but what if you want to take an additional online certification or crash course? These costs are often excluded — and that’s where a personal loan can help.

With high loan amounts and flexible EMIs, you don’t have to hold back on upgrading your skills.

Visa and flight expenses

If you're heading abroad for your studies, the cost of visa applications, flight tickets, and required paperwork can catch you off guard. These aren’t always covered by an education loan.

Pro tip: Keep some buffer for fluctuating flight prices — they can spike close to your departure date.

Living expenses

Rent is just one part of your monthly cost. There’s also groceries, commuting, internet, electricity, and more. Over time, these can become a major financial load.

Why it matters: Stressing about bills can distract you from your studies. A personal loan ensures you stay focused on what really counts.

Books, devices, and study material

Need to buy a new laptop? Or invest in licensed software or expensive books for your course? These are the kinds of one-time, unexpected expenses that crop up during college life.

With an Insta Personal Loan, you’ll always be financially ready for such moments.

Pro tip: Booking in advance or bundling services can help you save — a personal loan gives you the flexibility to pay upfront. Check your offer today.

Emergency fund

Emergencies like sudden illness or accidents can happen anytime. While health insurance helps, there are often out-of-pocket costs you’ll still need to manage.

Pre-approved offers

No need to complete the entire application process to know how much loan you will get.

Check offer in 2 steps

You can check your Insta Personal Loan offer by entering your mobile number and OTP.

Money in your account in 30 minutes*

Get the funds you need quickly to manage all your urgent expenses.

Long repayment period – 12 months to 96 months

You can spread your repayment from 12 months to 96 months, which means small instalments right from the start.

No hidden charges

You can read our fees and charges on this page and on our loan documents. There are no hidden charges.

No guarantor or collateral needed

You do not need to provide any collateral such as gold ornaments and property papers to get the loan.

If you are an existing customer

Since you are an existing customer with a pre-approved offer, there are no additional eligibility criteria that apply to you. Some of our existing customers may be asked to submit additional documents, such as your income proof, KYC documents, and bank statement to get the Insta Personal Loan.

If you are a new customer

New customers with an Insta Personal Loan offer may need to go through a CIBIL check and provide additional documents. The documentation and application process may differ slightly.

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 EmployerProperty / Municipal tax receipt
• Utility bill
• Real-time image / photograph
• Ration card

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

1. Click on ‘CHECK OFFER’ on this page to open our online form.
2. Enter your 10-digit mobile number and verify your profile with the OTP sent to your phone.
3. You will see an offer with a pre-assigned loan limit for you. You can either go with it or choose a lower amount.
4. Select a repayment tenure that suits you best.
5. Click on ‘PROCEED’ to complete the online process.