Whether you're planning a dream vacation, managing medical expenses, funding a wedding, or consolidating debt, a personal loan can provide the financial flexibility you need—when you need it the most.
At The low interest, we offer instant personal loans with minimal documentation, competitive interest rates, and flexible repayment options, so you can focus on your goals instead of worrying about funds.
Our process is completely digital, quick, and designed to suit your busy lifestyle. With no collateral required, you can apply confidently, knowing that help is just a few clicks away.
No need to pledge collateral or assets—personal loans are granted based on your income and creditworthiness.
Borrow anywhere between ₹50,000 to ₹50 lakhs (depending on lender policy and your eligibility).
Loan amounts are often disbursed within 24–48 hours of approval, especially with pre-approved offers.
Choose repayment periods from 12 to 60 months, based on your budget and convenience.
Pay via fixed EMIs or reducing balance method, depending on the loan structure.
Apply from the comfort of your home with a completely digital process—from form submission to loan approval.
Existing customers or eligible individuals can get instant loans without lengthy verification.
Before applying for a personal loan, it’s important to understand if you meet the basic eligibility requirements. While exact criteria may vary by lender, here are the general guidelines:✅ For Salaried Individuals Age: 21 to 60 years Employment: Should be employed with a private company, public sector unit, or government organization Monthly Income: Minimum ₹15,000 to ₹30,000 (varies by city and lender) Work Experience: At least 1 year of total work experience, with a minimum of 6 months in the current organization Credit Score: Preferably 700 or above for best offers ✅ For Self-Employed Individuals Age: 21 to 65 yearsBusiness Continuity: Minimum 2 to 3 years in the current businessAnnual Income: As per lender’s requirement (usually ₹2–5 lakhs minimum)ITR Requirement: ITRs for the last 1–2 financial years may be requiredCredit Score: A good credit history is essential (700+ recommended)
✅ Identity Proof (Any one): Aadhaar Card / PAN Card / Passport / Voter ID / Driving License ✅ Address Proof (Any one): Aadhaar Card / Utility Bills (Electricity/Water/Gas) / Passport / Ration Card / Registered Rent Agreement ✅ Income Proof For Salaried Individuals: Last 3 to 6 months’ salary slips , Latest Form 16 , Bank statements for the last 3–6 months ✅ For Self-Employed Individuals: Income Tax Returns (ITR) for the last 2 years , Balance Sheet & Profit & Loss Account (audited, if applicable) , Business registration/license documents Bank account statements for 6–12 months ✅ Recent Passport-Size Photographs Usually 1–2 photos as per lender's requirement ✅ Loan Application Form Duly filled and signed, with all the required details
BAJAJ FINANCE
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BAJAJ FINANCE
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Min ROI
Max Tenure
BAJAJ FINANCE
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BAJAJ FINANCE
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BAJAJ FINANCE
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Kotak Mahindra
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Kotak Mahindra
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Kotak Mahindra
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Kotak Mahindra
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Kotak Mahindra
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Icici Bank
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Icici Bank
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Icici Bank
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Icici Bank
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Icici Bank
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