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  • Secured Loan
  • Interest rate starting from 8.8%
  • Maximum tenure up to 20 years
  • Maximum loan amount up to 10 crore
  • Quick approval and hassle free Processing
  • Flexible repayment options
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Personal Loans

Personal loan have a shorter repayment tenure ranging from 1-5 years. Depending upon the individual applicant's profile and lender, the APR (Annual Percentage Rate) of a instant personal loan may vary from 11% to 35%. Personal loan is a short to medium term loan to meet your immediate financial needs. Personal Loans are a form of unsecured loan and require no collateral. The funds can be used to meet your needs for debt restructuring, marriage, holiday expenses, home renovation etc, but the funds can be used to cover any financial need.

Interest Rates

Personal loan interest rates start from 10.75% onwards and the tenure extends from 2 years and more. The exact interest rate depends on the profile of the customer and varies with loan amount, credit history etc.

Repayment Period

  • The tenure for the loan starts from 2 years and can go upto 6 years
  • For example, if you take a loan of Rs. 3 lakhs at the rate of 13% with repayment tenure of 3 years, your EMI will be Rs. 10,108. The total payable amount at the end of 3 years would be Rs. 3,63,895. Therefore, you are paying total interest amount to the tune of Rs 63,895. This, however, excludes other applicable charges which can be quantified as under
  • Loan Processing Charge - 2%
  • Documentation charges

Everything You Need to Know About Instant Personal Loan

Planning to go for your dream vacation? Or you need to buy that latest sports bike? Unforeseen financial issues and unexpected expenses can come up at any point in time. Therefore, to deal perfectly with all the financial requirements, taking a personal loan is a suitable option to go with. If you take an instant personal loan online, there will be no limit on the usage of the borrowed amount. So, no matter you need to organize a family function, fund your child’s education or need to manage the medical expenses, a personal loan can be a great help in managing all your concerns smoothly. A personal loan can easily be acquired with a lot of added benefits and features. Moreover, there is no need for you to show up any collateral and get instant access to the funds required.


  • Login to Loans helps you to choose the best and affordable offers on your personal loan, through our online EMI calculator, which calculates flexible repayment options for you.
  • Login to Loans online EMI calculator helps you to calculate the EMI amount that need to be paid out every month on your personal loan application.
  • By opting for quick paperless online loans from Login to Loans you can get an instant approval within 5 mins and disbursal of loan amount in 24 hours.
  • Login to Loans helps you choose from personal loan offers across top Banks and NBFCs at your fingertips.
  • With Login to Loans apply for a personal loan & enjoy benefits such as online application, Instant Personal Loan approval, multiple personal loans offers etc

Meaning of a Personal Loan

A personal loan is a loan that is categorized as unsecured funding, in which there is no requirement of providing any collateral or any sort of security. This security is demanded to help the applicant for your instant needs. It is a flexible kind of funding and so it can easily be utilized for several different including wedding, home renovation, financing your Childs education, for travel purpose and more. Furthermore, there is no constraint for the amount of money you have access to and no one questions you that for what reason you are planning to take a personal loan. In fact, this sort of funding can also lend you a hand in creating a good credit score faster when compared with other forms of credit. This is due to the high risk it holds because of being unsecured in nature, as it is considered beneficial for the borrower and less advantageous for the specific lender as no security is involved.

Entitlements of a Personal Loan

Personal loan entails various features and benefits. Below are some beneficial factors-

No collateral Required

One of the best advantages which are linked with an instant personal loan online is that it is of unsecured nature. This means that the applicant is not required to show any sort of collateral to the bank. Basically, the borrower is free from providing clarification for why he needs to have access to funds through an instant personal loan online or to show up any security to the loan provider. The applicants can easily get hold of an affordable personal loan easily if you meet the eligibility requirements, and have a good and strong CIBIL Score.

Minimum Documentation

This is the next major feature of a personal loan, as most of the people dislike submitting a pile of documents, and therefore because of the digitalization, this procedure has been turned easy as now very minimal documentation and authentication is done. The entire procedure has been turned simple and digitalized. Therefore, offering the customers with another benefit of getting access to required funds through a personal loan.

Fast loan approval

A personal loan is offered by most of the banks and even the non-banking finance companies (NBFCs) but with diverse eligibility terms and conditions. On the other hand, there are a few points that are similar to all the financial institutions and banks. Therefore, to get access to funds through an instant personal loan, the candidate is required to fulfill these necessities. Adding more to this point, it is suggested to check your eligibility before applying for a personal loan.

Personal Loan Eligibility

A personal loan is offered by most of the banks and even the non-banking finance companies (NBFCs) but with diverse eligibility terms and conditions. On the other hand, there are a few points that are similar to all the financial institutions and banks. Therefore, to get access to funds through an instant personal loan, the candidate is required to fulfill these necessities. Adding more to this point, it is suggested to check your eligibility before applying for a personal loan.

Age 23/24 years - 60/65 years
Employment Type Salaried / Self-Employed professionals
Credit score 750+ or with a good credit or cibil score history
Minimum Net Income (Monthly) 15,000(non-metro cities / 20,000( metro cities)
Loan Amount Up to 40-50 lacs depending on the credit profile and the applicants profile.
Work Experience Salaried / Employed at current company for at least 6/12 months / Self-Employed / Business tenure of at least 3 years (continuous) / ITR of last 3 years

Documents Required for a Instant Personal Loan

The common documents which are required for an online personal loan approval are given below:

For Salaried Individuals

  1. Salary slips of the last 3 months
  2. Last 3 months bank statement till date (reflecting salary credits)
  3. ID proof PAN card (mandatory)
  4. Residence Proof (Passport, Utility bills, Bank Statements,
  5. Postpaid bill, DL, Aadhar Card, Company letter head stating the address)
  6. Permanent address proof - (Passport, Utility bills, Bank
  7. Statements, Aadhar Card, Company letter head stating the address)
  8. Cheque (1-4)
  9. Form 16 or Income Tax Returns of last 2 years (not mandatory)

For Self-Employed Individuals

  1. Identity & Age Proof
  2. Completely filled personal loan application with photograph
  3. PAN Card
  4. Residence proof - Passport driving license, Voter ID, postpaid/landline bill, utility bills (electricity/water/gas)
  5. Bank statements for the last 6 months (preferably your salary account)
  6. Salary Slips of last 3 months
  7. Last 3 years Income Tax Returns with computation of Income
  8. Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Flexible EMIs

Login2loan endows the customers with a massive pool of options in association with some of the Major Banks and non-banking finance companies (NBFCs) so that they could get an extended tenure to pay back the loan amount on their loan at a suitable home loan rate of interest. This is done to assist in settling on the easiest monthly installment option on the home loan funding. Login2loan’s web-based EMI calculator actually assists the customers to determine the equal monthly installments that require to be cleared every month against your housing loan.

The online EMI calculator available at Login to Loans gives perfect calculations and offers the customers with a variety of bendable installment offers, which are based on the applicant’s profile as well as the tenure of his loan. Our team of experts also offers several options to shift the existing funds for a Home loan at highly affordable interest rates. We, also have different plans that are specially created for the clients who are the non-resident Indians at some special prices with maximum loan payback tenure of up to 30 years.

Quick and Transparent Processing

With us the whole procedure to apply for a home loan is simplified and with minimum documentation we help you get the best option on your housing loan. Our whole process is digitized enabling us to serve you quicker and with optimum transparency. Additionally enabling you to compare and choose among various available schemes with lowest home loan interest rates.

STEPS TO APPLY HOME LOAN Secured Loan - Property Loan - Mortgage Loan

The illustration below indicates what to expect at every step during the loan evaluation process. It helps understand how the credit decisioning works in banks and the steps they take before deciding to accept or reject a loan/ credit card.

Fill the Application

Fill in the Personal Loan Application Form, to check your eligibility.

Personal Loan Options

Compare various Personal loan options, and apply for the suitable option.


Get an instant e-approval, after successful submission of the application.