Short Term Loan App

Get detailed information on how to get a short-term loan using the Bajaj Finserv mobile app.
Insta Personal Loan
3 min

In today's fast-paced digital age, the introduction of short-term loan apps in India has transformed the traditional lending scene, offering convenience and accessibility to individuals seeking immediate financial remedies. People can easily use online loan platforms such as the Bajaj Finserv mobile app, allowing them to apply for an Insta Personal Loan from the convenience of their homes.

Features of a short-term loan app

Round-the-clock availability

Unlike traditional brick-and-mortar banks that operate within fixed hours, the best short-term loan apps are accessible round-the-clock, catering to users' needs at any time.

Online application

These apps feature user-friendly interfaces that guide users through the application process smoothly, requiring minimal documentation and simplifying the complexities often associated with traditional lending.

Instant approval

While conventional loan applications typically involve extensive paperwork and verification processes, short-term loan apps use technology to provide instant approval. Applicants can expect decisions within minutes, streamlining the borrowing process. With our Insta Personal Loan, customers get pre-approved loan offers, making the application process even faster and smoother. All you need to do is just enter your mobile number and OTP to check the offer.

Reduced paperwork

Short-term loan apps generally require minimal documentation, often limited to basic identity and income verification.

Documents required to apply on a short-term loan app

Depending on their profile, select customers can get our Insta Personal Loan without needing to submit any documents. Some customers may have to submit basic documents. It is a good idea to keep the following documents handy when applying for a 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
  • Utility bill of electricity and piped gas

Short-term loan app EMI calculator

Use our Insta Personal Loan EMI Calculator to figure out the monthly instalment you need to repay the loan. All you need to do is input your loan amount, tenure, and interest rate. The calculator will provide you with instant and accurate results as to the EMI you will need to repay the loan. You can then choose a loan amount that suits your repayment budget.

How to apply for an emergency personal loan loan through the app

A step-by-step guide to using the Bajaj Finserv personal loan app:

  1. Install the Bajaj Finserv App
    Download the Bajaj Finserv app from the Google Play Store for Android users or the Apple App Store for iOS users.
  2. Access the personal loan section
    Locate the personal loan section within the app interface.
  3. Select loan amount and tenure
    After confirming your eligibility, the short-term loan app will guide you through choosing the loan amount and repayment period that aligns with your requirements. Use our Insta Personal Loan EMI Calculator to determine your EMI amount and assess whether it fits your repayment budget.
  4. Provide necessary documents
    The app may prompt you to upload essential documents such as proof of income, identification, and address. Depending on your profile, select customers may not be required to submit any paperwork.
  5. Review and submit your application
    Carefully review all the provided information and proceed to submit your application. A representative will then reach out to you to help you with the further process.


In essence, short-term loan apps signify a transformation in the lending landscape, offering speed and accessibility. While unquestionably convenient, borrowers should exercise caution and select reputable platforms to ensure a smooth and responsible borrowing experience in the digital age.

Download the Bajaj Finserv app from the App Store

*Terms and conditions apply.


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*Terms and conditions apply

Frequently asked questions

Which loan is best for the short term?
For short-term needs, consider a personal loan. It offers flexibility and quick access to funds. However, ensure you can repay it on time to avoid high interest costs.
How to get an instant short-term loan?

You only need to follow the steps below to get our Insta Personal Loan.

  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 is the disbursal time of a short-term loan app?

With our Insta Personal Loan, you can get the funds in your account in as little as 30 minutes* to 4 hours.

*Terms and conditions apply

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