Features and benefits of quick online loans
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No hidden costs
Bajaj Finserv ensures 100% transparent loan terms, affordable interest rates on personal loans, and nominal additional fees.
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Easy repayments
Choose a tenor of up to 96 months. Use the online Personal Loan EMI Calculator to compute your likely EMIs beforehand.
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No collateral required
There is no need to pledge any asset as collateral, so there is zero risk to your assets.
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Flexi loan facility
Save on EMIs with Flexi personal loan from Bajaj Finserv. Pay interest only on what you borrow from the sanctioned amount.
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Quick approval
As the name suggests, quick online loans are sanctioned instantly and disbursed to the borrower's account within 24 hours*.
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24*7 Online Assistance
Track your outstanding loan, monthly EMI, download certificate and more via our customer portal, My Account.
Bajaj Finserv provides online personal loan to applicants who meet the simple eligibility parameters. Submit your identity and income proof, and get instant approval on the funds you need.
You can also use the Bajaj Finserv Personal Loan Eligibility Calculator to get a more accurate estimation of how much you can borrow.
If you are looking for quick and easy loans, our Insta Personal Loan is an ideal choice. With pre-approved offers and minimal documentation requirement, the application process is expedited. You can get the funds you need within 30 minutes* to 4 hours.
*Applicable for select customers
*Conditions apply
Eligibility criteria to apply for quick loans online
Bajaj Finserv provides personal loans on easy eligibility criteria. Check the following parameters before applying:
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Nationality
Indian
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Age bracket
21 years to 80 years*
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Employment
Salaried individuals employed with reputed private or public limited companies or MNCs
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CIBIL score
Check your CIBIL Score for FREE685 or higher
Bajaj Finserv provides online personal loan to applicants who meet the simple eligibility parameters. Submit your identity and income proof, and get instant approval on the funds you need.
You can also use the Bajaj Finserv Personal Loan Eligibility Calculator to get a more accurate estimation of how much you can borrow.
If you are looking for quick and easy loans, our Insta Personal Loan is an ideal choice. With pre-approved offers and minimal documentation requirement, the application process is expedited. You can get the funds you need within 30 minutes* to 4 hours.
*Applicable for select customers
Documents required for quick loan application
- 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
Interest rates and charges applicable on quick personal loan
Bajaj Finserv offers instant personal loans at reasonable interest rates to help you manage your repayment. Make sure to look at all the fees and charges applicable to your personal loan to estimate the total cost of borrowing.
Factors affecting quick loan interest rates
There are several factors that can influence the rate of interest applicable on your personal loan. Some of them are:
- Monthly income: Higher monthly income can help you get better deals on your personal loan
- CIBIL Score: A high CIBIL Score assures the lender of your creditworthiness, and can help you negotiate a better interest rate
- Repayment history: A solid repayment history suggests healthy borrowing, without defaults or late EMI payments
Things to note before taking a quick personal loan
Here are a few things you should look at before taking a quick personal loan:
- Interest rates: Ensure that you get the loan at affordable interest rates that fit within your budget
- Fees and charges: Make sure to read all the fees and charges carefully before accepting the personal loan
- Loan amount and tenure: It is important to assess your repayment capacity before deciding on the amount of loan to borrow. Additionally, make sure to choose repayment tenure that suits you.
How to apply for a quick personal loan online
If you want a quick easy personal loan online, you can get a personal loan from Bajaj Finance. You only need to follow the steps below.
- Go to the Insta Personal Loan page and click on ‘CHECK OFFER’.
- Enter your 10-digit mobile number and OTP.
- Go with the pre-assigned limit or choose a different loan amount.
- Choose a repayment tenure that suits you best.
- 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.
When you can get a quick personal loan
A quick personal loan is typically accessible for the borrowers who need money urgently, providing swift financial assistance. These loans offer speedy approval, enabling borrowers to access funds promptly during unforeseen expenses or emergencies. Some examples include:
- Medical emergencies
- Wedding expenses
- Home repairs
- Higher education
Frequently asked questions
Getting a quick personal loan is easy with pre-approved offers. You can get the Insta Personal Loan by following the below steps -
- Click on ‘CHECK OFFER’.
- Enter your 10-digit mobile number and OTP.
- Go with the pre-assigned limit or choose a different loan amount.
- Choose a repayment tenure that suits you best.
- 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. Once the process is done, the funds will be disbursed to your account immediately, within 30 minutes* to 4 hours.
*Applicable for select customers
Our existing customers with a pre-approved Insta Personal Loan offer can get a personal loan without income proof. Check your offer today.
Our personal loan is usually disbursed within 24 hours*.If you have a pre-approved offer, our Insta Personal Loan is disbursed within 30 minutes* to 4 hours.
*Terms and conditions apply
At Bajaj Finance, we provide quick approval on your personal loans. You may also have a pre-approved loan offer. All you need to do is enter your mobile number and OTP to check your offer.
You can get up to Rs. 15,50,000 with our Insta Personal Loan and up to Rs. 55 lakh with our regular personal loan.
You need a CIBIL Score of 685 or higher to get our personal loan.
Yes, both salaried and self-employed individuals can get our personal loan.
Depending on the lender, you may be able to get a top-up loan. Please note that having multiple loans can impact your credit score.
Yes, you can apply with a co-applicant.
You need a CIBIL Score of 685 or higher to apply for our personal loan.
You can get a quick personal loan online by providing necessary documents, meet eligibility criteria, and get instant approval with fast disbursal into your bank account.
Bajaj Finserv app for all your financial needs and goals
Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.
You can use the Bajaj Finserv App to:
- Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
- Invest in fixed deposits and mutual funds on the app.
- Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
- Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
- Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
- Shop from over 100+ brand partners that offer a diverse range of products and services.
- Use specialised tools like EMI calculators, SIP Calculators
- Check your credit score, download loan statements and even get quick customer support—all on the app.
Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.
