Instant Personal Loans
Get up to ₹5 Lakh in Minutes!
No long queues, no paperwork. Get offers from 5+ lenders.
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Why choose Fi for your Personal Loan needs?
Fast, Reliable, Secure online loans
No collateral required
Interest rates starting at 12.75%. p.a
5+ regulated lending partners to get offers from
Get small loans on app, as low as ₹10,000
0 preclosure charges on select lenders
Flexible tenure up to 48 months
Get your Instant Loan online in 3 simple steps
Check personal loan eligibility & unlock loan offer
Choose loan amount & tenure
Verify details
⚡ Your personal loan will be in your bank account instantly! ⚡
Smart Personal Loans, Smarter EMI plans!
Flexible repayment options tailored to your needs. Check for yourself
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
A credit score of 750+ is ideal, as higher scores improve loan approval chances and secure lower interest rates
Monthly income
Minimum ₹20,000
Don't let interest rates worry you
Get the lowest interest rates on personal loans
Good-to-have documents
- PAN & Aadhaar for a seamless KYC process
- Income proof to enhance loan offer from select lenders
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
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
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FAQs
What is the maximum loan amount I can take?
The maximum loan amount that Fi users can avail is 5 lakhs
What is the minimum and maximum repayment period?
Minimum repayment period for a pre-approved loan: 6 months
Maximum repayment period for a pre-approved loan: 4 years
Can I apply for a personal loan without a salary slip?
Generally yes. In some cases, depending on the loan requirement, profile and bureau users may need to provide income proof via connecting accounts digitally through account aggregator framework or uploading salary slip to verify income.
How long does it take for my personal loan application to get approved?
Loan applications get approved instantaneously.
More calculators
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Net Worth Calculator
Budget calculator
Rent vs Buy Calculator
Fixed Deposit Calculator
Mutual Fund Goal Calculator
Mutual Fund SIP Calculator
NPS Calculator
HRA Calculator
Gratuity Calculator
EPF Calculator
CAGR Calculator
Inflation Calculator
Credit Card Interest Rate Calculator
Fi partners with the best to offer you instant loans
Products on our platform | Details |
|---|---|
Unified Payments Interface (UPI) | Epifi Technologies Pvt. Ltd ('Epifi Tech') is a Third-Party App Provider ('TPAP') - and acts as a service provider and participates in UPI through a Payment Service Provider ('PSP') Bank (Federal Bank). |
Savings Account and Deposits | Federal Bank offers savings account, fixed deposits and smart deposits to users on the Fi App (through Epifi Tech). Users' savings account and deposits are securely opened with Federal Bank. |
Cards | Fi Brand Pvt. Ltd. markets and distributes co-branded cards in partnership with Federal Bank and Visa. Cards are issued by Federal Bank. |
Loans | Epifi Tech facilitates loan distribution and acts as a lending service provider and/or digital lending application for various Banks, registered NBFCs and NBFC-P2P ('Lenders') List of Lenders. |
Insights
1. Net Worth: Helps users get a view of their financial Net Worth — in accordance with their assets & liabilities
2. Wealth Maximiser: Analyses your finances, shares financial reports to make informed money decisions
These products are governed by our Terms and Conditions, Privacy Policy, and any other product and partner specific terms and conditions as communicated to you.
©epiFi Technologies Pvt. Ltd. 2025
Fi is a money management platform that offers the perfect solution for all your financial needs. The Federal Bank Savings Account offered through Fi is an online savings account that you can open in 3 minutes! It goes beyond online account opening, as it has helped reimagine the banking experience in India
Through Fi, you can do more: apply for an instant personal loan, pick from many types of Mutual Funds, select the best SIP to invest in US Stocks, apply for a forex-free Debit Card (works for select account plans) to use while travelling abroad, analyse/improve their portfolio, get a 360-degree view of your spend insights and take steps building wealth.
You can also utilise Fi's free personal loan resources, such as the Personal Loan and EMI calculator, before proceeding to the quick loan application process. All of this is why over 35 lakh Indians feel that Fi is the only financial app you will ever need.