Apply for Personal Loan in Pan India

Collateral Free Loan | Lowest Interest Rate | Maximum Loan Amount | Lower Processing Fees | Door Step Service

OwnPaisa Personal Loan

Personal Loan

A personal loan is an unsecured loan that serves various purposes, including funding children’s education, covering medical emergencies, wedding expenses, home renovations, new business ventures, or other financial needs. Unlike secured loans, personal loans from OwnPaisa do not require any form of collateral or property documents.

These loans are available to individuals with a steady income, good credit history, and a satisfactory CIBIL score—regardless of the loan’s purpose.

With OwnPaisa, enjoy benefits like minimal documentation, fast approval, flexible repayment options, and personalized service. Our goal is to help you achieve your financial aspirations without delay.

Features Of Personal Loan

A personal loan is a loan taken by the salaried individual to finance any personal expenses like Weddings Expenses, Home Renovations, Medical Expenses, Bill Payments, Dream Vacation Tours, Starting a Business, and Higher Education. In a Personal Loan, the borrower has full freedom to use the money for any purpose they want.

  • Collateral-Free Loan
  • Minimal Documentation
  • Attractive Interest Rate
  • Flexible Repayment Options
  • Lowest Equated Monthly Installments (EMIs)
  • Extended Loan Tenure
  • Doorstep Services
Personal Loan Features

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Have questions? Our team is just a message away on WhatsApp!

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📱 +91 95995 84626

📱 +91 81789 61909

Apply for Personal Loan

Personal Loan Offers

Eligibility Criteria
  • Age: 21 to 60 years
  • Minimum Income: ₹25,000/month
  • Salaried or Self-Employed
  • Credit Score: 700+
Documents
  • Identity & Address Proof (PAN, Aadhaar)
  • Latest Salary Slips (3 months)
  • 6 Months Bank Statement
  • Form 16 / ITR
Fees & Charges
  • Processing Fee: Up to 2.50%
  • Prepayment: Allowed after 12 months
  • Foreclosure Charges: 2% to 4%
  • Stamp Duty as per state
Eligibility Criteria
  • Age: 23 to 60 years
  • Stable Employment for 2 years
  • Min Salary: ₹30,000/month
  • Good CIBIL Score (750+)
Documents
  • PAN, Aadhaar, Passport size photo
  • Last 3 Salary Slips
  • 6 Months Bank Statement
  • Employment Proof
Fees & Charges
  • Processing Fee: 2% of loan
  • Prepayment Charges: Nil after 6 months
  • Foreclosure Charges: 4%
  • Insurance Charges Extra
Eligibility Criteria
  • Age: 22 to 60 years
  • Minimum Salary: ₹30,000/month
  • Stable Income Source
  • CIBIL Score: 700+
Documents
  • PAN, Aadhaar
  • 3 Months Salary Slip
  • 6 Months Bank Statement
  • Employment Proof
Fees & Charges
  • Processing Fee: Up to 2.50%
  • Prepayment: Allowed after 12 months
  • Foreclosure: 3% to 5%
  • Stamp Duty Applicable
Eligibility Criteria
  • Age: 21 to 60 years
  • Min Salary: ₹25,000/month
  • 1 year of stable job
  • Good CIBIL Score
Documents
  • Identity & Address Proof
  • Salary Slips (Last 3 months)
  • 6 Month Bank Statement
  • Employment Proof
Fees & Charges
  • Processing Fee: Up to 2%
  • Prepayment: Nil after 6 months
  • Foreclosure: 3% to 5%
  • Insurance Cost Extra

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Documents Required

Types of Personal Loans

Tips Before Applying

Steps to Apply

  1. Fill the application form
  2. Submit necessary documents
  3. Verification by our team
  4. Loan approval and disbursal

Frequently Asked Questions

It depends on your income and repayment capacity.

Usually within 2–3 working days after document verification.

Tilak Nagar Office

5/58, 5/60 4th floor Tilak Nagar

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+91-9599584626

+91-8178961909

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