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Personal loans that say yes to your plans
Weddings, travel, medical bills or a long-overdue upgrade — borrow up to ₹50 lakh without collateral, with offers compared across leading lenders.
Why take your personal loan through Credsey
Apply for a personal loan online with Credsey. Compare offers from top banks and NBFCs, check eligibility in 2 minutes and get funds in as little as 24 hours.
- No collateral or guarantor needed
- Disbursal in as little as 24 hours*
- Flexible tenure from 12 to 84 months
- Minimal paperwork, fully digital
Personal Loan EMI calculator
Move the sliders to see your monthly EMI, the total interest and the full amount you'll repay. Then apply with the same numbers in one click.
- EMI = P × r × (1+r)n / ((1+r)n − 1)
- P is the loan amount, r the monthly rate, n the number of months
- Pay more upfront or choose a shorter tenure to cut total interest
Calculate your EMI
Full scheduleYour monthly EMI
₹0
- Principal
- –
- Interest
- –
- Total payable
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Indicative figures. Final rate depends on the lender and your profile.
Eligibility
- Salaried with a monthly income of ₹20,000 or more
- Age between 21 and 60 years
- At least 6 months in the current job
- Credit score of 700 or higher preferred
Criteria vary by lender. An advisor will confirm what applies to you.
Documents required
- PAN card and Aadhaar
- Last 3 months' salary slips
- 6 months' bank statement
- Form 16 or ITR (for higher amounts)
How quickly can I get a personal loan?
Once your documents are verified, many lenders disburse within 24 to 72 hours. Pre-approved customers can get funds the same day.
What credit score do I need?
Most lenders prefer a CIBIL score of 700 or above. A higher score usually unlocks lower interest rates and higher amounts.
Can I prepay my personal loan?
Yes. Most lenders allow part or full prepayment after a lock-in of 6–12 months; foreclosure charges vary from 0% to 4%.