Smart Personal Loans - From Application to Approval in Minutes
Get instant approval on loans up to ₹50 lakhs with no hidden charges, flexible repayment options, and funds in your account within 24 hours.
Get Instant Personal Loan Quote
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Personal Loan Calculator
Calculate your EMI instantly and plan your finances with our smart loan calculator. Adjust the loan amount, interest rate, and tenure to find the perfect repayment plan.
Your Loan Breakdown
Features & Benefits of Personal Loan from Infinz
Experience next-generation lending with unmatched convenience, competitive rates, and customer-centric features designed for your financial needs.
Faster Approval
Get instant approval within 2 minutes with our AI-powered credit assessment system and automated decision engine.
Zero Paperwork
Complete your loan application digitally without physical documents. Upload and verify everything online in minutes.
Lower Interest Rate
Enjoy competitive interest rates starting from 10.5% per annum based on your credit profile and relationship with us.
Flexible Repayment
Choose EMI tenure from 12 to 84 months with options for prepayment, part-payment, and EMI restructuring.
Quick Disbursal
Receive funds directly in your bank account within 24 hours of final approval and documentation completion.
No Collateral
Unsecured loans with no need for guarantors, security deposits, or asset pledging. Your creditworthiness is enough.
How to Apply for a Personal Loan Online
Simple 5-step digital process to get your personal loan approved and disbursed in just 3 days. No branch visits, no lengthy procedures.
Register with Mobile Number
Enter and verify your mobile number to sign up for the loan process
Verify Personal Details
Submit your basic information like name, date of birth, and PAN card
Enter Employment Details
Provide your income details so we can assess your loan eligibility
Choose Loan Amount & Tenure
Select how much you want to borrow and set your repayment period
Confirm Bank Details & Receive Loan
Add your bank account and get the approved loan credited in 3 days
Personal Loan Eligibility Criteria
Check if you meet our simple eligibility requirements for instant personal loan approval. Simple criteria designed to make funding accessible to more people.
Documents Required for Personal Loan
Minimal documentation with instant digital verification for hassle-free loan processing.
KYC Documents
Aadhaar card & Selfie verification
PAN Card
Personal PAN card
Address Proof
Utility bill, rental agreement or passport
Employment Proof
Employee ID card or appointment letter
Income Statement
Last 3 months salary slips and bank statements
Find the Best Personal Loan Offer
Compare personalized loan offers from 50+ top NBFCs and banks, sorted by your preferences.
HDFC Bank
ICICI Bank
Bajaj Finserv
Kotak Mahindra
Axis Bank
Yes Bank
Frequently Asked Questions?
A personal loan is an unsecured credit facility that provides you with a lump sum amount for any personal financial need without requiring collateral. Unlike specific-purpose loans (like home or car loans), personal loans offer complete flexibility in usage - whether for medical emergencies, wedding expenses, debt consolidation, home renovation, travel, or education. You receive the entire loan amount upfront and repay it through fixed monthly installments (EMIs) over a predetermined tenure of 1-7 years.
The minimum salary requirement is ₹12,000 per month for salaried employees. Higher salaries (₹25,000+) typically qualify for better interest rates and higher loan amounts. Self-employed individuals need a minimum annual income of ₹2 lakhs with proper ITR documentation.
With Infinz, you can get instant approval within 5 to 8 minutes of completing your application. Our AI-powered system provides real-time decisions based on your credit profile. After approval, fund disbursal typically happens within 24 hours on business days, provided all documents are verified. The entire process usually takes 1-3 working days.
Yes, most of our lending partners allow prepayment without penalty charges after completing 6-12 EMI payments. You can make partial prepayments to reduce your outstanding principal or foreclose the entire loan early.
Your interest rate depends on several factors: credit score, monthly income and employment stability, existing debt obligations, loan amount and tenure, relationship with the lender, and market conditions.
No, personal loans from Infinz are completely unsecured. Guarantors are not mandatory for most loan applications.
Yes, you can apply with a credit score as low as 650, though options may be limited with higher interest rates. Scores below 650 might require a co-applicant or guarantor.
Generally, you can get a personal loan of 10-15 times your monthly salary, depending on your credit profile and existing obligations.