Personal loan interest rates, eligibility and fees, explained before you apply.
Personal loan interest rates run from 14.8% to 19.2% a year across 20+ lenders on our panel. Have a look around. Nothing here touches your credit file. When you are ready, one soft check tells you which of them will actually say yes to you.
The range, on four common amounts.
Indicative only. Your own rate depends on your credit file, income and the lender. The low column is our best panel rate, the high column is our highest.
Loans run from ₹50,000 to ₹50,00,000, over 6 to 60 months. Interest only. Lender processing fees are shown against each offer once we know which lenders will take you.
Takes two minutes. One credit check.
Loans for every need.
Tap one to see a typical amount and what it costs a month.
Indicative, over 36 months at our lowest panel rate.
Who we work with.
Banks and RBI-registered NBFCs. Every personal loan processing fee is shown upfront, from 1.5% to 3%, including from the lenders that turn you down.
Rates shown are each lender's starting rate. What you are offered depends on your file.
Four things worth knowing.
Compare your personal loan offers in two minutes. Soft check. No sales calls.
Questions people actually ask.
No. We run a soft check, which only you can see. A hard enquiry happens when you actually apply to a lender, and we tell you the likely cost in points before that.
Between ₹50,000 and ₹50,00,000, depending on your income, your existing EMIs and each lender’s policy. We show your real limit per lender rather than a headline maximum nobody gets.
Most lenders on our panel disburse within 24 to 72 hours of final approval. The money goes straight from the lender to your bank account and it never passes through Zavo.
Yes. Comparing the best personal loan offers, the credit score and the calculators are all free with no asterisk. Lenders pay us when someone we send them is funded. You are never charged, including when we fail.
Sometimes. Some lenders on our panel go down to 650. Below that, we will tell you honestly rather than take you through an application that will be declined.
Only when you apply to a specific lender, and only the fields that lender needs. Your credit report is read on our side and is never passed on by itself.
From 14.8% to 19.2% a year. Your own rate depends on your credit score, your income and the lender. We show the exact rate each lender will give you, not a headline number.
Most lenders want you between 21 and 60, earning from ₹15,000 a month, with a credit score of 650 or above. Each lender sets its own bar, and we show you which ones you qualify for.
Between 1.5% and 3% of the sanctioned amount across our panel. It is shown against every offer before you apply, and it is charged by the lender, not by Zavo.