Personal Loan Service
Personal Loans, Tailored for You
Get instant access to funds for travel, education, medical needs, or big purchases. Compare top offers, check your eligibility in seconds, and apply 100% online. No hidden fees just smart, flexible financing when you need it most.
Instant Approval:
Get loan decisions in minutes with our smart eligibility engine.
No Collateral:
Enjoy unsecured loans no assets or guarantors required.
Flexible Tenure:
Choose repayment terms that match your income and goals.
Minimal Documents:
Identification documents and credit score
Banks and financial institutions have set personal loan eligibility criteria to ensure smooth loan approval and repayment. Apart from these criteria, lenders also assess the applicant’s credit history to evaluate creditworthiness and repayment behavior.
General Eligibility Criteria:
- Applicant must be between 21 to 60 years
- Salaried or self-employed with a stable income
- Minimum monthly/annual income as per lender’s requirement
- Good credit score (typically 700 or above)
- Employment stability and continuity in work
- Indian resident or NRI, depending on lender policies
To apply for a personal loan, applicants need to submit specific documents for verification. These documents help lenders assess eligibility, creditworthiness, and repayment capability.
Identity Proof (Any one of the following):
- PAN Card
- Aadhaar Card
- Passport
- Voter ID Card
- Driving Licence
Address Proof (Any one of the following):
- Utility Bills (Electricity, Water, or Telephone Bill)
- Aadhaar Card with Address
- Bank Account Statement
- Rental Agreement
Income & Employment Proof:
- Salaried Individuals:
- Salary slips of the last 3 to 6 months
- Form 16 or Income Tax Returns (ITR)
- Latest bank statements showing salary credits
- Self-Employed Individuals:
- Business continuity proof (at least 3-5 years)
- ITR for the last 2-3 years
- Audited profit & loss statement
Other Documents:
- Passport-size photographs
- Duly filled loan application form
Types of Personal Loans We Offer
Education Loan
Fund your studies in India or abroad. Flexible EMIs and fast approvals for students and parents.
Medical Loan
Cover emergency or planned healthcare expenses. Quick disbursal with minimal documentation.
Travel Loan
Finance your dream vacation stress-free. Easy repayment options for domestic and international trips.
Wedding Loan
A wedding loan is a type of personal loan specifically designed to cover wedding-related expenses, ensuring that financial constraints do not affect your special day.
Consumer Loan
Buy gadgets, appliances, or furniture on EMI. No credit card needed just smart financing.
Our Trusted Network
How to Apply for a Personal Loan
Get your loan approvals in 3 instant steps.
Fill A Quick Online Form
Complete a form with your name, phone number, and city.
Get Verified
Our system swiftly processes your application and verifies your contact details.
Get Instant Loan Assistance
Receive a call from Smart Digital Loans Experts within 24 hours.
One click away from your dream
Fill the the form to get quick loan approval
Here from Our Loyal Customers
Making Dreams Come True
Applying for a loan used to be such a headache, with endless paperwork and waiting. But Finactt Digital Loan changed everything! I needed funds for my small business urgently, and I got approved and the money disbursed within hours. It was genuinely a lifesaver and allowed me to seize a new opportunity immediately.
I was skeptical about a 'fully digital' loan, but the convenience was unmatched. I applied for a personal loan from my couch, and the process was so straightforward. No bank visits, no queues, just a few clicks. The Finactt Digital Loan made my home renovation dreams a reality without any stress.
As a freelancer, traditional banks often made it difficult to get a loan. Finactt's digital loan understood my unique income situation and offered a solution tailored to me. The transparency in their terms was also a huge relief. I finally got the funds I needed to upgrade my equipment and grow my freelance business.
