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Instant Personal Loan Approval Online in 10 Minutes – Apply Now

The emergence of instant personal loans has transformed the lending landscape, offering individuals the convenience of securing funds within a mere 10 minutes.

Check your pre-approved personal loan offer in just few clicks

Published May 9, 2025 · 4 Min Read

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Guide to getting an instant personal loan quickly

In today's fast-paced world, the need for swift and accessible financial solutions is more prevalent than ever. The emergence of instant personal loans in 10 minutes has transformed the lending landscape, offering individuals the convenience of securing funds quickly. Let us explore the key aspects of obtaining an instant personal loan in record time.


How to get an instant personal loan in 10 minutes

Getting an instant personal loan in 10 minutes is easier than one might think. Thanks to advanced digital platforms offered by financial institutions, the application process has been streamlined for efficiency. To begin, individuals can visit the lender's website or mobile app. The user-friendly interface guides applicants through a simple and quick application form.

Upon completion, the digital platform employs advanced algorithms to assess the provided information, expediting the approval process. This rapid evaluation ensures that qualified applicants receive loan approval within minutes.

Additional read: can I get instant personal loan in 2 minutes


Benefits of getting an instant loan approved in just 10 minutes

Applying for a personal loan in 10 min offers quick access to funds during financial emergencies. With minimal documentation and a seamless online process, you can get an instant personal loan in 10 minutes without lengthy approval delays. These loans are ideal for urgent expenses like medical bills, travel, or home repairs.

Key benefits:

  • Quick approval: Get funds within minutes without long waiting times.
  • Minimal documentation: No need for extensive paperwork.
  • Flexible usage: Use the loan for any financial requirement.
  • No collateral required: Most loans are unsecured.
  • Convenient application: Apply anytime, anywhere through mobile apps or online platforms.


Eligibility criteria

The eligibility criteria for instant personal loans are designed to be inclusive, catering to a diverse range of applicants. Typically, lenders consider factors such as the applicant's credit score, employment status, income, and age. Many lenders also require applicants to be Indian citizens or residents. The straightforward eligibility criteria make instant personal loans accessible to a broad spectrum of individuals, including salaried professionals, self-employed individuals, and even those with a less-than-perfect credit history.Below are the criteria to get a regular personal loan from Bajaj Finance:

  • 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 for instant loan approval in 10 minutes

To get an instant personal loan in 10 minutes, you may have to submit a few documents when applying. It is a good idea to keep the below documents handy when applying for an instant loan in 10 minutes:

  • 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
  • Real-time image / photograph
  • Ration card


Apply now for an instant personal loan in 10 minutes

You can apply for our Insta Personal Loan in just a few clicks:

  1. Click on 'CHECK OFFER'.
  2. Enter your 10-digit mobile number and OTP.
  3. Go with the pre-assigned limit or choose a different loan amount.
  4. Choose a repayment tenure that suits you best.
  5. Click on ‘PROCEED’ to complete the online process.

The online process may differ depending on whether you are a new customer or have an existing relationship with us.


Calculate your EMI

Calculating the equated monthly instalment (EMI) is a crucial step in the borrowing process. You can use our Insta Personal Loan EMI calculator tool that helps to estimate the monthly repayment amount based on the loan amount, tenure, and interest rate. This will help you to make informed decisions about your financial commitments.

In conclusion, the availability of instant personal loans in just 10 minutes represents a significant leap forward in the financial industry's evolution. With streamlined application processes, inclusive eligibility criteria, and online tools for EMI calculation, these loans provide a convenient avenue for individuals to meet their immediate financial needs.

Know more:

Check your Insta Personal Loan offer

Your Insta Personal Loan requirement

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Why choose Personal Loan

from Bajaj Finserv?

  • End-to-end online
  • Online KYC and E-Mandate made easy!
  • Fast-track your loan process

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. 

Frequently asked questions

How do I get a loan within 10 minutes?

With a Bajaj Finance Insta Personal Loan, the funds are disbursed within 30 minutes* to 4 hours.

*Applicable for select customers.

How do I get an immediate personal loan?

Getting an Insta Personal Loan from Bajaj Finance is simple. You only need to follow the steps below to get an offer.

  1. Click on ‘CHECK OFFER’.
  2. Enter your 10-digit mobile number and OTP.
  3. Go with the pre-assigned limit or choose a different loan amount.
  4. Choose a repayment tenure that suits you best.
  5. Click on ‘PROCEED’ to complete the online process.

The online process may differ depending on whether you are a new customer or have an existing relationship with us.

 

What credit score is required to get approval for an instant personal loan in 10 minutes?

Since Insta Personal Loan provides pre-approved offers, you do not have to check your credit score beforehand. Although, having a CIBIL Score of 685 or higher, increases your chances of getting the loan.

What is the interest rate for instant personal loans?

The interest rate for instant personal loans varies from lender to lender. For a Bajaj Finserv Insta Personal Loan, interest rates start from 16% p.a.

Are there any hidden fees in an instant personal loan?

All the fees and charges for our Insta Personal Loan are clearly mentioned on the website and your loan documents, there are no hidden charges.

How is the loan repayment process structured for an instant personal loan?

The loan repayment process for an instant personal loan is structured through fixed EMIs over a chosen tenure. The EMI includes both principal and interest, with reducing balance methods lowering interest over time.

Can I prepay or foreclose my instant personal loan?

Yes, you can prepay and foreclose your instant personal loan in most cases. Ensure to check the charges associated with foreclosure and part-prepayments.

How can I check my eligibility for an instant personal loan?

The eligibility criteria for an instant personal loan will vary based on the lender. Check the eligibility for Insta Personal Loan.

Can I get an instant loan without a credit score?

Lenders usually check your credit score and several other parameters before approving the loan application.

Can I repay an instant personal loan early?

You can repay instant personal loans early. Ensure that you note the foreclosure and part-prepayment charges before doing so.

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You can use the Bajaj Finserv App to:

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