Personal Loan India 2025 Overview
LoanPao’s Personal Loans offer quick funds for marriage or medical emergencies, providing instant, unsecured loans up to ₹25 lakh at competitive rates of 10%–16% p.a. with tenures up to 5 years. No collateral is required, making it perfect for emergencies, travel, education, weddings, or debt consolidation. Our network of 500+ RBI-compliant lenders ensures approvals within 1–2 days. Apply online, use our EMI Calculator, or explore specialized options like Marriage Loan or Medical Loan. Contact us at +91-971-769-5334 for guidance.
Key Features of LoanPao’s Personal Loan
High Loan Amount
Up to ₹25 lakh for any financial need without collateral.
Low Interest Rates
Competitive rates starting at 10% p.a. for affordability.
Flexible Tenure
Repayment periods up to 5 years to suit your budget.
Online Application
Seamless e-KYC process for quick and easy applications.
Trusted Network
500+ RBI-compliant banks and NBFCs for reliable offers.
Quick Approvals
Instant loan approvals within 1–2 days for urgent needs.
Eligibility Criteria
Ensure you meet the following criteria to qualify for a personal loan. Check instantly with our eligibility tool.
| Criteria | Details |
|---|---|
| Applicant Type | Salaried or self-employed professionals |
| Age | 21–60 years at loan maturity |
| Income | Salaried: ₹25,000/month; Self-employed: ₹3 lakh/year |
| CIBIL Score | 700+ for better rates |
| Loan Amount | ₹50,000–₹25 lakh |
| Employment | Salaried: 1 year; Self-employed: 2 years |
Documents Required
Submit the following documents for a hassle-free application process:
- KYC: Aadhaar, PAN, Voter ID
- Income Proof: 3 months salary slips or 2 years ITR
- Bank Statements: Last 6 months
- Address Proof: Utility bill or Aadhaar
- Employment Proof: Appointment letter or business registration
Upload documents via our secure portal.
Loan Amount and Tenure
Choose from flexible options tailored to your needs:
| Purpose | Loan Amount | Tenure | Interest Rate (p.a.) |
|---|---|---|---|
| Small Expenses | ₹50,000–₹5 lakh | 1–3 years | 10%–12% |
| Medium Expenses | ₹5 lakh–₹15 lakh | 1–4 years | 11%–14% |
| Large Expenses | ₹15 lakh–₹25 lakh | 1–5 years | 12%–16% |
How to Apply
Follow these simple steps to get your personal loan:
- Complete the application form below.
- Upload KYC, income proof, and bank statements.
- Get approval within 1–2 days and funds shortly after.
Compare Lenders
LoanPao partners with top lenders for the best deals:
| Provider | Interest Rate (p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|
| HDFC Bank | 10%–13% | Up to ₹20 lakh | 1–5 years | 0.5%–2% |
| ICICI Bank | 10.5%–14% | Up to ₹25 lakh | 1–5 years | 0.75%–2.25% |
| Bajaj Finance | 11%–16% | Up to ₹25 lakh | 1–5 years | 1%–2.5% |
Popular Uses
Personal loans can be used for:
- Medical emergencies
- Weddings (Learn More)
- Travel and vacations
- Education and upskilling
- Debt consolidation
Why Choose LoanPao?
Wide Lender Network
Access 500+ RBI-compliant lenders for the best rates.
EMI Planning
Use our EMI Calculator for budgeting.
24/7 Support
Reach us at +91-971-769-5334.
Application Tips
Boost your approval chances:
- Maintain a 700+ CIBIL score.
- Submit accurate documents.
- Use our EMI Calculator.
- Compare lenders on our comparison page.