About Instant Digital Loans
Loanpao’s Instant Digital Loans in Delhi, India, offer a fully online solution for businesses needing quick funds. With minimal documentation and a streamlined digital process, get funds disbursed within hours to meet urgent financial needs.
Why Choose Our Instant Digital Loan?
- Interest Rates starting at 12.0% p.a.
- Loan Amount from ₹50,000 to ₹10 Lakh
- Short Tenure up to 2 Years
- Disbursal within 4-24 hours
- Unsecured loans with no collateral
- 100% online application process
- Minimal documentation
- Flexible repayment options
Are You Eligible?
| Criteria | Requirement |
|---|---|
| Business Age | Minimum 1 year |
| Annual Turnover | Minimum ₹5 Lakh |
| Applicant Type | Proprietorship, partnership, or company |
| Credit Score | 600+ preferred |
What Documents Do You Need?
- KYC: Aadhaar, PAN, business registration
- Bank Statements: Latest 6 months (online upload)
- GST Returns: Latest 6 months
- Digital Signature: Optional for faster processing
Attractive Interest Rates & Affordable Fees
| Bank/Lender | Interest Rate | Processing Fee |
|---|---|---|
| Bajaj Finance | 12.0% p.a. | 1.0% or ₹5,000 |
| Lendingkart | 12.5% p.a. | 1.5% or ₹7,500 |
| FlexiLoans | 12.25% p.a. | 1.0% or ₹5,000 |
| NeoGrowth | 12.75% p.a. | 1.25% or ₹6,000 |
| ZipLoan | 13.0% p.a. | 1.5% or ₹7,500 |
Extra Charges:
- Late Payment Charges: 3% p.m. on overdue amount
- Prepayment Charges: Nil
- GST: Applicable on processing fees
Note: Rates and fees are indicative as of April 2025 and subject to change.
Calculate Your EMI Instantly
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How to Apply for an Instant Digital Loan
- Fill out the online application form with business details.
- Upload KYC, bank statements, and GST returns digitally.
- Complete e-KYC and e-sign for verification.
- Receive instant loan approval and offer.
- Get funds disbursed to your account within 4-24 hours.
Common Questions About Instant Digital Loans
What is an Instant Digital Loan?
An Instant Digital Loan is an unsecured business loan with a fully online application process and quick disbursal within hours.
Who can apply for an Instant Digital Loan?
Businesses with at least 1 year of operation, ₹5 Lakh turnover, and a 600+ credit score.
What is the maximum loan amount?
Up to ₹10 Lakh, based on business financials and credit profile.
How long does disbursal take?
Funds are disbursed within 4-24 hours after approval.
Can I prepay the loan?
Yes, prepayment is allowed with no charges.
Is collateral required?
No, Instant Digital Loans are unsecured and require no collateral.
What is the repayment tenure?
Up to 2 years, with flexible repayment options.
Are there special offers?
Yes, apply by 31st May for waived processing fees and priority disbursal.
What documents are needed?
KYC, 6 months’ bank statements, GST returns, and optional digital signature.
What happens if I default?
Late fees and credit score impact may occur; legal action is possible after due notice.