Get Instant Personal Loan

Personal loan depends on a level of income, CIBIL score, scope of repayment and history of employment. This loan serves the personal needs of an individual at the time of financial crunch.

Home credit personal loans up to 2 lakhs are fast, easy and simple with minimum documentation, friendly tenure and affordable EMIs. Apply now and get away with your financial worries.

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  • Quick & Easy
  • 100% Paperless
  • 0% Processing Fees
  • Instant Online Approval upto INR 2 Lacs
  • No Hidden Charges
  • Quick Disbursal

Home credit personal loans have the following document requirement.

  • PAN card of the individual
  • ID Proof: Voter ID, Passport, Driving License, etc.
  • Address Proof: Passport, Driving License, Ration Card, Passport, Aadhar Card, Utility Bills, etc.
  • Bank statement of the income account with net banking facility.

Carefully check the loan details like the interest rate, duration of extension, extra charges, EMIs etc. before finalising the loan offer, changes at a later stage might not be possible. Education is important, do not put it aside because of financial crunch. Our personal loan is for you.

Personal loans are beneficial! Know how

Use freely

Personal loan funds can be used anywhere without you justifying or clarifying your usage. It can be used to cope with any emergency situation or an urgent need that can be at the time of marriage, medical emergency or any other unavoidable need.

Unsecured

The amount taken on loan doesn’t take any asset or possession for your things, it is given on the basis of your employment history and monthly income. This loan is collateral free.

Flexible amount

The amount limit is variable depending on the needs of the borrower. It can vary from 25,000-2 lakh rupees. A friendly advice is to borrow as per your needs, not beyond your limits.

Friendly duration

Duration of the amount is quite flexible and depends on the amount borrowed. More amount is subject to longer duration whereas a small amount can be repaid in a year.

What are chances for rejection?

There are few strong points that you need to avoid to get your loan rejected. If you have a poor credit score, your personal loan application will surely be rejected as credit score plays an important role. If you have other loans already going then your application requested might not be accepted. Another case being the amount against which you seeking a loan for. If your loan amount is higher and does not cater to the defined limit. Your application is most likely to get rejected. Insufficient income is another reason that can result in rejection. Therefore, it is important to think before you act.

Taking a personal loan is no harm until and unless you are not crossing your limits. It is always wise to look at your needs, explore the best available options, fulfil the eligibility criteria, complete your documentation, know the lowest interest rate and apply for a loan that best fits you. Home credit personal loans are friendly loan options. Try now