A personal loan gives you instant access to funds for any need—medical, travel or emergencies. On CredBuddha, you can explore flexible options based on your needs.
Benefit from our highly competitive and transparent personal loan features -
You must meet the following criteria for an instant personal loan from CredBuddha -
Find out how much personal loan you may be eligible for based on monthly salary. The salary-wise eligibility table offers an estimated loan amount for reference. Your loan approval depends on your credit history, income stability, and repayment capacity.
| Monthly Salary | Estimated Eligible Loan Amount |
|---|---|
| ₹20,000 | ₹2 Lakhs |
| ₹30,000 | ₹4 Lakhs |
| ₹50,000 | ₹8 Lakhs |
| ₹75,000 | ₹15 Lakhs |
Explore featured personal loan offers from Poonawalla, InCred, and Hero, then compare interest rates, processing fees, tenure, and maximum loan amounts in the full comparison table below to pick the option that fits your needs.
A side-by-side view of lender rates and charges for quicker decision-making.
| Bank | Interest Rate | Processing Fee | Tenure | Max Loan |
|---|---|---|---|---|
|
Poonawalla
|
20% – 29% | 3% – 4% | 1–7 yrs | ₹15 lakhs |
|
InCred
|
14% – 35% | 2% – 5% | 1–5 yrs | ₹10 lakhs |
|
Hero
|
19% – 29% | Up to 2.5% | Up to 3 yrs | ₹5 lakhs |
Click on "Apply for Loan" and enter basic details like your name, mobile number, and employment type.
We connect you with suitable lenders based on your profile, income, and loan needs.
Complete verification and get funds credited directly to your account—often within minutes.
The Personal Loan EMI Calculator helps you estimate the monthly repayment amount before you apply. Enter the loan amount, interest rate, and tenure to see the EMI, total payable amount, and total interest.
Know where you stand before you apply. Check your credit score instantly and understand your eligibility with confidence. A better score helps you unlock improved loan offers and faster approvals.
| Credit Score Range | Credit Rating | Possible Impact on Personal Loan Application |
|---|---|---|
| 800 and above | Excellent approval chances, better loan offers, and potentially lower interest rates | |
| 726 to 799 | Good approval chances, though the interest rate and loan amount may vary by lender | |
| 651 to 725 | Lenders may conduct stricter checks and may offer a lower loan amount or higher interest rate | |
| Below 650 | Approval may be difficult, and additional income proof or a co-applicant may be required | |
| NTC / No Credit History | Approval may depend more on income, employment stability, bank statements, and lender policy |
A personal loan is an unsecured loan that helps you meet planned or unexpected financial needs without pledging any collateral. Whether you're planning a wedding, renovating your home, managing medical expenses, travelling, or consolidating existing debt, a personal loan provides quick access to funds with flexible repayment options. With CredBuddha, you can compare loan offers from multiple trusted banks and NBFCs, check your eligibility instantly, and apply online through a simple, paperless process. The loan amount, interest rate, and repayment tenure depend on your income, credit score, employment profile, and the lender's eligibility criteria.
| Feature | Details |
|---|---|
| Loan Amount | ₹1,000 – ₹35 Lakhs* |
| Interest Rate | Starting from 9.99% p.a.* |
| Loan Tenure | 40 Days – 84 Months |
| Processing Time | As fast as a few minutes* |
| Processing Fee | As per lender's policy |
| Collateral | Not Required |
| Application | 100% Online |
I compared personal loan offers from 5 different banks through CredBuddha and saved over ₹45,000 in interest. The process was completely transparent.
CredBuddha helped me get a business loan of ₹15 Lakhs without any collateral. Their team guided me through the entire process. Highly recommend to all MSME owners.
Checked my credit score for free on CredBuddha and got personalised tips to improve it from 650 to 780 in just 4 months. Now I qualify for premium credit cards!
I was looking for the best cashback credit card and CredBuddha's comparison tool made it so easy. Applied and got approved the very same day. Excellent service!
As a first-time borrower, I had no idea about loan eligibility. CredBuddha not only checked my eligibility for free but also guided me to the best offers.
Got my personal loan of ₹5 Lakhs approved in just 4 hours through CredBuddha. The interest rate was lower than what my own bank offered.
A personal loan gives you instant access to funds for any need—medical, travel or emergencies. On CredBuddha, you can explore flexible options based on your needs.
You can check your eligibility online in seconds using basic details like your income and credit profile, as mentioned on the Personal Loan page.
Most lenders prefer a score of 700+ but offers may still be available on our website based on your profile. You can Get Free Credit Score before applying.
Yes, some lenders consider income and repayment capacity along with your score. You can also fix your credit score to improve your chances from Improve Your Score on CredBuddha.
Approvals can be instant and funds are often disbursed within 24–48 hours. CredBuddha connects you with lenders offering fast and seamless processing.
Basic documents like PAN, ID proof, income proof and bank details are usually required. The process is 100% digital with minimal paperwork.
Your loan amount depends on income, credit score and existing obligations. Check Loan Eligibility on CredBuddha to see your approved limit instantly.
Yes, you can compare loan options from multiple lenders in one place. Choose the offer that best fits your needs and repayment capacity.
No, eligibility checks are soft inquiries and do not impact your score. On CredBuddha, you can explore offers freely before applying.
If your loan application is rejected, it's often due to issues with your credit score. We can help you fix and improve your credit profile—start with Improve Your Credit Score and move closer to approval.
