Personal loans in India

17 options, compared on the numbers that decide it: what you pay to hold one, what you get back, and who is eligible.

17Options
14Providers

A personal loan is unsecured: no collateral, a fixed amount, a fixed EMI and a term usually between one and five years. The rate you are offered depends on your income, credit score and employer.

17 options (filtered)

HDFC Bank Insta Loan on Credit Card

HDFC Bank

Interest rate: 10.88%
Loan type: Personal
Max amount: ₹15 lakh
Prepayment: -

A pre-approved loan for existing HDFC Bank credit card holders, taken from the available limit on your card. No documents, and the money reaches your HDFC Bank savings account within seconds. Repaid in EMIs on your card statement over 12 to 60 months (3, 6 or 9 months for select customers).

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Poonawalla Fincorp

Interest rate: 9.99%
Loan type: Personal
Max amount: ₹50 lakh
Prepayment: -

Personal loan from Rs 1 lakh to Rs 50 lakh at rates from 9.99% a year, repaid over 12 to 84 months, applied for online with quick approval.

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Bajaj Finance Personal Loan

Bajaj Finserv

Interest rate: 10.00% - 30.50%
Loan type: Personal
Max amount: ₹55 lakh
Prepayment: -

Unsecured personal loan from Rs 40,000 to Rs 55 lakh at 10% to 30.5% a year, repaid over 12 to 108 months. Applied for fully online, with no security needed. A Flexi option lets you withdraw and prepay from a sanctioned limit.

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Olyv Personal Loan

Interest rate: 18.00%
Loan type: Personal
Max amount: ₹5 lakh
Prepayment: -

Small, short personal loans from Rs 500 up to Rs 5 lakh, repaid over 2 to 24 months, applied for fully online. Olyv is a lending platform: the loan itself comes from one of its RBI-registered NBFC partners, which sets your rate and terms.

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Tata Capital Personal Loan

Tata Capital

Interest rate: 10.99%
Loan type: Personal
Max amount: ₹35 lakh
Prepayment: -

Personal loan from Rs 40,000 to Rs 35 lakh at rates starting from 10.99% a year, repaid over up to 6 years. There is also an overdraft-style Flexi option where you pay interest only on what you use, and balance transfer from another lender.

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MyEazyLoan Personal Loan

MyEazyLoan (lender marketplace)

Interest rate: -
Loan type: Personal
Max amount: -
Prepayment: -

A personal loan marketplace: fill one short form with your income, age, employment and credit score, then compare offers from several banks and NBFCs, such as HDFC Bank, Poonawalla Fincorp, Bajaj Finserv, Tata Capital, IndusInd Bank and Axis Bank, and apply to the one you choose. Works in a mobile browser.

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No Prepayment

CreditSea Personal Loan

CreditSea (Meghdoot Mercantile, Chhotaria Securities)

Interest rate: 14.00% - 36.00%
Loan type: Personal
Max amount: ₹2 lakh
Prepayment: No charges

Small personal loans from Rs 6,000 to Rs 2 lakh at 14% to 36% a year, repaid over 3 to 36 months, fully online with instant transfer to your bank account. CreditSea is the platform; the loan is given by its RBI-registered NBFC partners Meghdoot Mercantile Pvt Ltd and Chhotaria Securities Pvt Ltd.

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ZapCash Personal Loan

ZapCash (Weekline Investment and Trading Co. Ltd)

Interest rate: -
Loan type: Personal
Max amount: ₹5 lakh
Prepayment: -

Unsecured personal loans up to Rs 5 lakh, applied for in the ZapCash app, including for people with little or no credit history. ZapCash (Omnistack Innovation Pvt Ltd) is the platform; loans are given by its RBI-registered NBFC partners such as Weekline Investment and Trading Company Ltd.

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No Prepayment

Zype Personal Loan

Zype (RBI-registered NBFC and bank partners)

Interest rate: 18.00% - 34.00%
Loan type: Personal
Max amount: ₹5 lakh
Prepayment: No charges

Personal loans from Rs 3,000 to Rs 5 lakh through the Zype app, repaid over 6 to 36 months, with approval often in about a minute. Zype (Easy Platform Services Pvt Ltd) is the platform; the loan comes from one of its RBI-registered NBFC or bank partners.

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Prefr Personal Loan

Interest rate: -
Loan type: Personal
Max amount: ₹5 lakh
Prepayment: -

Enjoy seamless 24/7 access to your funds, giving you the freedom to manage your money anytime, anywhere
Experience a seamless, complete digital process - fast, easy, and hassle-free
Avail loan amount of upto Rs 3,00,000 with quick approval and minimal documentation
Customized financial solutions designed specifically to meet the unique needs of both salaried professionals and self-employed individuals, ensuring flexibility, convenience, and support at every stag

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Ram Fincorp Personal Loan

Ram Fincorp (R.K. Bansal Finance Pvt Ltd)

Interest rate: -
Loan type: Personal
Max amount: ₹2 lakh
Prepayment: -

Short-term personal loans of up to Rs 2 lakh for salaried people, applied for online. Ram Fincorp is the lending platform; the loan is given by its RBI-registered NBFC partner R.K. Bansal Finance Pvt Ltd.

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mPokket Instant Loan

mPokket (mPokket Financial Services)

Interest rate: -
Loan type: Personal
Max amount: ₹2 lakh
Prepayment: -

Small instant loans of up to Rs 2 lakh through the mPokket app, repaid in one go or in EMIs by UPI or debit card. No credit history is needed, so it suits first-time borrowers.

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Axis Bank Personal Loan

Axis Bank

Interest rate: 9.99%
Loan type: Personal
Max amount: ₹50 lakh
Prepayment: -

Axis Bank's instant personal loan of up to Rs 50 lakh, with interest starting at 9.99% a year, applied for online. Axis Bank is the lender.

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Fibe Personal Loan

Fibe (RBI-registered NBFC partners)

Interest rate: 18.00%
Loan type: Personal
Max amount: ₹10 lakh
Prepayment: -

Fibe personal loans of up to Rs 10 lakh for salaried people, from 18% a year, repaid over 6 to 36 months, fully online. Fibe is the platform; the loan is given by its RBI-registered NBFC partners.

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Hero FinCorp Personal Loan

Hero FinCorp

Interest rate: 18.00%
Loan type: Personal
Max amount: ₹5 lakh
Prepayment: -

Hero FinCorp personal loans of up to Rs 5 lakh, applied for through its app or website, with interest from 18% a year. Hero FinCorp, an RBI-registered NBFC, is the lender.

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Bajaj Finserv Overdraft (Flexi Loan)

Bajaj Finance

Interest rate: -
Loan type: Personal
Max amount: -
Prepayment: -

Bajaj Finance's Flexi loan works like an overdraft: you get a limit, withdraw from it when you need and repay when you can, and interest is charged only on the amount you use, for the days you use it.

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CreditLinks Personal Loan

CreditLinks (lending partners: InCred, KrazyBee, Lendingkart)

Interest rate: 10.99%
Loan type: Personal
Max amount: ₹10 lakh
Prepayment: -

A loan marketplace: apply once and CreditLinks matches you with its lending partners, RBI-registered NBFCs such as InCred, KrazyBee and Lendingkart. Rs 1,000 to Rs 10 lakh, no collateral, fully digital.

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Showing 17 of 17

Questions About Personal Loans

Straight answers before you apply. Each card's own terms are on its page.

What decides my personal loan rate?

Mostly your credit score, income, job and existing loans. The rate on a lender's page is the range; your offer is set after they check your profile.

Can I repay a personal loan early?

Usually yes, often with a foreclosure charge. Each loan's page shows it.

What is a processing fee?

A one-time charge, usually a percentage of the loan, deducted from the amount you receive. Add it to the interest when comparing loans.

How many Personal loans does SkyloFin compare?

17 right now, each with its fees, benefits and eligibility from the provider's own published terms. SkyloFin never charges you to apply.

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Personal Loan EMI CalculatorWhat will my personal loan cost me?Loan Prepayment CalculatorHow much do I save by prepaying my loan?

Personal Loans

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All Personal Loans guides

Personal Loans13 Oct 2026 · 5 min readPersonal Loan True Cost: Flat vs Reducing Rate, Fees and APRTwo personal loans can quote rates that look close and cost very different amounts. Here is how flat and reducing rates differ, what the processing fee adds, and how to read the APR on the Key Fact Statement.Read the guide →

Personal loans in India

Questions About Personal Loans

Work Out the Numbers

Guides in Plain Words

Your Money. One Clear View.