Personal Loan

A personal loan is typically an unsecured loan, meaning no collateral is pledged. Because of this, lenders rely heavily on your income, existing obligations and credit history. We help you understand what lenders usually look for and prepare for the application process.

Common uses

• Medical expenses
• Wedding costs
• Education or skill courses
• Home renovation
• Travel
• Consolidating high-cost debt

Eligibility considerations

Lenders set their own criteria. These are factors lenders commonly consider:

• Age, income stability and employment type (salaried or self-employed).
• Credit score and repayment history.
• Existing EMIs and overall debt-to-income ratio.
• Employer category or business vintage, as applicable.
• City of residence and the lender's serviceable locations.

Documentation guidance

The exact list depends on the lender and your profile. Typically requested documents include:

• Identity and address proof (KYC).
• Recent salary slips or income proof.
• Bank statements for the period the lender requires.
• Income tax returns (commonly for self-employed applicants).

Please do not upload or send documents through the enquiry form. Our team will tell you what is needed and how to share it securely.

How we help

• Understand your requirement, repayment capacity and existing obligations.
• Explain what lenders typically look for and how to prepare.
• Help you organise your documents before you apply.
• Keep you informed and answer questions through the process.