Home Loans Service
Home Loans Made Simple
Unlock your dream home with flexible financing options tailored to your needs. Compare top lenders, check eligibility instantly, and enjoy a seamless digital application process. Want variations for different audiences like first-time buyers or NRIs? I can whip those up too.
Flexible Tenure:
Choose repayment terms that suit your budget and future plans.
Low Rates:
Access competitive interest rates from top lending partners.
Quick Approval:
Get instant eligibility checks and fast digital processing.
Zero Hassles:
Enjoy a paperless journey from application to disbursal.
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
Purchase Loan
Finance your new home with ease. Choose from top lenders with low EMIs. Perfect for ready to move or under construction properties.
Renovation Loan
Upgrade your living space affordably. Cover repairs, interiors, or structural changes. Fast approvals with minimal documentation.
Construction Loan
Build your dream home from the ground up. Funds disbursed in stages as construction progresses. Ideal for plot owners planning custom builds.
Commercial Loan
Finance shops, offices, or business premises. Flexible terms for purchase or construction. Tailored for entrepreneurs and professionals.
NRI Home Loan
Tailored loans for non resident Indians. Flexible repayment and remote processing. Supports purchase, construction, or investment homes.
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.
