What are the uses of personal loan in Andra Pradesh?

You can take a Bajaj Finserv Personal Loan for several uses, such as: Personal loan for higher education Personal loan for medical emergency Personal loan for wedding Personal loan for home expenses

How to get a personal loan immediately in Andra Pradesh?

You can get an unsecured loan in Andra Pradesh by researching lenders, meeting the eligibility criteria set by the lender, and gathering all the paperwork required. Follow these simple steps to apply for a Bajaj Finance Personal Loan: Click on ‘CHECK ELIGIBILITY’ on this page. Enter your 10-digit mobile number and the OTP sent to your phone. 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. Now, click on ‘PROCEED’ to visit the loan selection page. Enter the offer or loan amount that you need. Choose from our personal loan variants. Choose the repayment tenure and click on ‘PROCEED’. Complete your KYC and submit your application. Our representative will contact you for further steps.

Can I apply for a loan in Andra Pradesh with a low CIBIL score?

If you have a low CIBIL score, you may have to apply with a co-applicant.

Can we get a personal loan in Andra Pradesh without documents?

No, you generally need to submit required documents like identity proof, income proof, address proof, and more to apply for a personal loan.

What is the maximum loan amount I can get with a personal loan?

With a Bajaj Finserv Personal Loan, you can get funds up to Rs. 55 lakh. Check your eligibility in just 2 steps and plan your expenses comfortably.

Apply for Personal Loan in Andhra Pradesh Starting @ 10% p.a.*

Overview
Features
Eligibility
How to Apply

Rs. 40000 - Rs. 55 lakh

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You may be eligible for a pre-approved offer

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Enter mobile and OTP | Check offer | No branch visit needed

Bajaj Finserv in your state

Andhra Pradesh, located along the Bay of Bengal coast, boasts India’s longest coastline and hosts several IT hubs, educational institutions, and a thriving economy driven by agriculture, mining, and industry. The state’s vibrant culture and economic diversity create varied financial needs for its residents.

A Bajaj Finserv Personal Loan in Andhra Pradesh can help you get instant access to funds up to Rs. 55 lakh—without collateral or long paperwork. You can also check if you already have a pre-approved offer in Andhra Pradesh. The process is 100% digital, with no need to visit a branch.

✅ Check your pre-approved loan offer in Andhra Pradesh with phone number and OTP → Apply online in 5 minutes → Receive funds within 24 hours*.

Know more about our personal loan and its features.

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Features of personal loans in Andhra Pradesh

Check pre-approved offers

You can check if you have a pre-approved offer for a personal loan in Andhra Pradesh with just your phone number and OTP – no need to visit the branch.

Complete transparency

When you take a personal loan from us, you do not have to pay any hidden charges. Check the terms and conditions today.

High loan value

Fulfil the eligibility, complete the documentation and get an online personal loan of up to Rs. 55 lakh easily.

Flexi loan facility

Make multiple withdrawals from a dropline limit and pay interest only on the withdrawn funds, with our Flexi loans.

Online loan management

Visit our customer portal, My Account, and monitor the loan repayment and other details online 24/7.

Flexibility in tenure

Use a personal loan EMI calculator and repay the loan by choosing a suitable tenure of up to 96 months.

Instant approval

Submit an online application form and receive immediate approval on loan. Keep your documents ready for faster processing.

Minimal documentation

Submit only the necessary documents to opt for a personal loan from Bajaj Finance.

Money in 24 hours*

After the verification, the loan amount gets credited within 24 hours* of approval.

Zero collateral

You do not need to pledge any asset or get a guarantor for a personal loan from Bajaj Finance.

The economy of Andhra Pradesh relies primarily on agriculture, mining and industry. This region is also popular for its artefacts. Apply for a personal loan in Andhra Pradesh and get instant approval on the funds utilised. Get a high loan amount at fulfilling some basic eligibility criteria and with minimal documentation. If you qualify, you can even negotiate for better interest rates.

Utilise the funds to finance any big-ticket expense and enjoy personalised offers on the loan.

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Eligibility criteria for personal loan in Andhra Pradesh

Eligibility criteria

Following are the personal loan eligibility criteria that you need to fulfil to get instant funds 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.
Interest rates and charges

Get the most competitive interest rates on personal loans from us. Find out the fees and charges applicable now.

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

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How to apply for personal loan in Andhra Pradesh

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.

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Type of fee	Applicable charges
Rate of Interest per annum	10% to 31% p.a.
Processing fees	Up to 3.93% of the loan amount (inclusive of applicable taxes).
Flexi Facility Charge	Term Loan – Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 Up to Rs. 3,999/- for loan amount from Rs. 2,00,000 to Rs. 3,99,999 Up to Rs. 5,999/- for loan amount from Rs. 4,00,000 to Rs. 5,99,999 Up to Rs. 7,999/- for loan amount from Rs. 6,00,000 to Rs. 9,99,999 Up to Rs. 8,999/- for loan amount from Rs. 10,00,000 to Rs. 14,99,999 Up to Rs. 9,999/- for loan amount from Rs. 15,00,000 to Rs. 19,99,999 Up to Rs. 10,999/- for loan amount from Rs. 20,00,000 to Rs. 24,99,999 Up to Rs. 11,999/- for loan amount from Rs. 25,00,000 to Rs. 29,99,999 Up to Rs. 12,999/- for loan amount of Rs. 30,00,000 and above All the Flexi facility charges above are inclusive of applicable taxes Loan amount includes approved loan amount, insurance premium, and VAS charges.
Principal Holiday Facility Fees	Up to Rs.1999/- for loan amount less than Rs.2,00,000 Up to Rs.3999/- for loan amount from Rs. 200000 to Rs.399999 Up to Rs.5999/- for loan amount from Rs. 400000 to Rs.599999 Up to Rs.7,999/- for loan amount from Rs. 600000 to Rs.999999 Up to Rs.8,999/- for loan amount from Rs.10,00,000 to Rs. 1499999 Up to Rs. 9999/- for loan amount from Rs. 15,00,000 to Rs.19,99999 Up to Rs.10,999/- for loan amount from RS. 20,00,000 to RS.2499999 Up to Rs.11,999/- for loan amount from RS.25,00,000 to RS. 29,99999 Up to Rs. 12,999/- for loan amount of Rs.30,00,000 and above Above charges are inclusive of applicable taxes & will be deducted upfront from loan amount *(Loan amount includes approved loan amount, Insurance Premium & VAS Charges)
Bounce charges	Up to Rs. 1,200 per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
Part-prepayment charges	Full Pre-payment: Foreclosure can be processed post clearance of first EMIs. Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) of the Dropline limit as per the repayment schedule as on the date of full prepayment. Part-prepayment Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment. Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Term Loan.
Penal charge	Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp duty (as per respective state)	Payable as per state laws and deducted upfront from loan amount.
Annual maintenance charges	Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Term Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit during Initial Tenure. Up to 0.295% (Inclusive of applicable taxes) of Dropline limit during Subsequent Tenure

Note: Additional cess if any, will be applicable to all charges according to state law.

*Terms and conditions apply.

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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*.

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