Instant Personal Loans

Get up to ₹10 Lakh as a loan in minutes!

✨ Loans from top lenders in one place ✨

Choose Fi for your Personal Loan needs

Fast, reliable, & secure online loans

No collateral required

Interest rates start at 12.75% p.a

8+ regulated lending partners

Get small loans as low as ₹10,000

No preclosure fees on select lenders

Flexible tenure up to 48 months

Personal Loan EMI Calculator

EMIs can be tricky! But via Fi, you get flexible repayment options

Your loan amount

Your total loan amount excluding any downpayment you've made

₹

100000

5000010L

Loan tenure

How long do you have to repay this loan?

months

248

Interest on loan taken

The interest rate taken on the home loan

12.75

1030

Your EMIs will come out to ₹8,920 per month

Loading chart...

Loan Principal

₹1.00L

Total Interest

₹7,040

Who can get an Instant Loan?

Need a loan? Check your personal loan eligibility and apply online if you match the following criteria:

Age:

21 - 60 years

Credit score:

700+

Monthly Income:

Minimum ₹20,000

Documents:

PAN, Aadhaar & Income Proof

Apply for a Personal Loan online in 3 easy steps

Check personal loan eligibility & unlock loan offer

Choose loan amount & tenure

Verify details & submit

⚡The loan amount will reach your bank a/c instantly⚡

Find out your credit score for free, without lowering it

Get a Personal Loan anytime, anywhere

We're among the top 10 instant loan apps in India for a reason

Trusted by 35+ lakh Indians

19,000+ areas served

Personal loan interest rates, fees & charges explained

Once you clearly understand interest rates, processing fees, taxes, foreclosure charges & other relevant details, getting a Personal Loan online is simple. Here’s almost everything you need to know:

Personal Loan Interest Rates from Fi’s Lending Partners	Personal loan interest rates from our lending partners start from 1.06% p.m (12.75% p.a.), and are determined by: Your credit score Employment type Income bracket Eligibility criteria set by financial institutions Lending partner policies
Personal loan processing fee	Most of our regulated lenders charge a processing fee ranging from 1% - 4% of the loan amount.
Bounce charges (Missed EMI fees)	Bounce charges are applied if your EMI auto-debit (NACH/UPI AutoPay/Bank Mandate) fails due to insufficient balance. Typical bounce fee: ₹300 - ₹800 per EMI bounce + applicable GST Multiple EMI bounces may also negatively affect your credit score. Keep your EMI account funded at least a day before the debit date.
Pre-Payment / Foreclosure charges	Pre-payment means repaying your personal loan early, fully or partially. Most personal loan offerings from our regulated lending partners do not require a mandatory lock-in period. For some who do have it, charges may apply, ranging from 0% to 4% of the remaining principal amount. Tip: Pre-paying early reduces the total interest paid, helping you save significantly.
Penal charges (Late payment fee)	Penal charges are applied when you miss your EMI due date. This is separate from bounce fees. Typical penalty: 2% - 4% per month on the overdue EMI amount. If the auto-debit fails and the EMI is unpaid, you may be charged both Bounce fee & Penal interest.

Instant Personal Loans for every situation

Life happens – sudden expenses or planned events, get money for all needs!

Personal loan for Wedding

Spare no expense on your special day with an instant personal loan on the Fi app

Personal loan for Emergencies

Cover for urgent, unforeseen situations with instant loans on Fi app, collateral-free

Personal loan for Home Renovations

Make your home the space you always wanted it to be with the best personal loan app

Personal loan for Relocation

Make your shift from one city to another seamless with an instant loan on the Fi app

Personal loan for Travel

Say yes to every adventure the world has to offer, without stressing about money

Personal loan for Education

Upskill with online/offline courses and open new doors to personal and professional growth

Personal loan for Gadgets

Get the latest appliances and gadgets for personal and home use with instant loans online

Why Fi is the best choice for Low-interest Personal loan

Fi offers an easy, transparent way to compare and choose the best loan

Compare offers from 8+ regulated lenders

Get instant loan approval online

0% pre-closure charges on select lenders

Loan disbursal in 5 minutes

Loan amounts available: From ₹10,000 to ₹10,00,000

Ideal for emergencies, medical needs, travel, education, or sudden expenses

Great offers available even for users with moderate credit scores

FAQs

What is the interest rate on a personal loan?

How much personal loan can I get?

How much personal loan can I get on ₹40,000 salary?

Is a personal loan taxable?

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I have been using this app for more than a year now & just made the switch to Fi permanently. The Debit Card is incredible & the best part is forex payments are seamless.

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