How to Generate Insta Personal Loan Offer

How to Generate Insta Personal Loan Offer

Check pre-approved offer → Apply online in 5 minutes → Get funds in 30 minutes*

FAQs

FAQs

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Video

₹40000 to ₹14,00,000

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Enter phone and OTP | Check your loan offer | Apply online

How to apply for Insta Personal Loan

Check your pre-approved offer and complete the application online in just 5 minutes.


  1. Simply check your pre-approved offer by entering your mobile number and OTP.
  2. You will see an offer with a pre-assigned loan limit for you. You can either go with it or choose a lower amount.
  3. Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
  4. Choose the repayment tenure and click on ‘PROCEED’.
  5. Complete your KYC and submit your application.

Our representative will call you for the next steps. The loan amount will be transferred to your bank account after successful verification of your documents.

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Eligibility criteria for Insta Personal Loan.

Anyone can opt for our Insta Loans online. Your eligibility and documentation requirement depends on whether you are a new customer or have an existing relationship with us.

  • 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 for Insta Personal Loan

    • 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

Age: 21 years to 80 years*

*Higher age limit applicable at the time of loan maturity.

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Frequently asked questions

Overview

Application

Repayment

Eligibility

What is an instant loan offer?

An instant loan offer is a type of loan that provides quick cash to borrowers without lengthy paperwork and collateral requirements. It is designed for emergency situations where immediate funds are needed to cover unexpected expenses, such as medical bills or home repairs. Check your pre-approved offer in just 2 clicks to get instant funds.

Which factors can impact my instant personal loan offers?

There are many factors that can impact your instant personal loan offers, such as your relationship with the lender, credit score, income, employment history, and repayment capacity. Lenders use these factors to determine your eligibility for the loan and to calculate the interest rate and loan amount they offer you.

How do I get an Insta Personal Loan?

You can check your Insta Personal Loan offer using the following steps:

  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.

Can I apply for an Insta Personal Loan if I already have an existing personal loan?

You can check for your Insta Personal Loan offer even if you have an existing personal loan. However, your personal loan repayment capacity will be analysed before generating an offer. Remember, applying for multiple loans may affect your CIBIL score negatively and influence your chances of getting another loan.

Can I cancel the Insta Personal Loan after disbursement?

On disbursal, you receive the Insta Personal Loan amount in your bank account. However, if you want to cancel the loan after disbursement, contact your Bajaj Finserv relationship manager.

What documents are required to get an Insta Personal Loan?

In most cases, you do not need to submit any documents to get our Insta Personal Loan. However, depending on your profile, you may be asked to submit additional basic documents like:

  • 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

How much can I borrow with an Insta Personal Loan?

In our Insta Personal Loans, we have already evaluated your credit history to check your creditworthiness. You can borrow up to Rs. 15,50,000, based on your loan eligibility.

You can check your pre-assigned limit by entering your mobile number and OTP.

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Disclaimer

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