Personal Loan

The personal loan that doesn't need a reason.

Medical emergencies, a wedding, renovation, or simply consolidating a bad month — a personal loan needs no collateral and no explanation. We match you with the partner bank offering the lowest rate for your profile.

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₹1L–₹40L

Loan range

10.5%+

Starting rate

3–4 days

Sanction time

5 Yrs

Max tenure

Why choose this with us

Benefits built around the borrower.

A short list of what actually changes when you apply through Financeway instead of walking into a branch.

No collateral needed

Approved purely on income and credit profile — nothing to pledge.

Fast disbursal

Funds in your account in as little as 3–4 working days after sanction.

Doorstep documentation

We collect KYC and income proof at your home or office.

Flexible end-use

Medical, wedding, travel, education or debt — no restrictions on how you use it.

Rates compared for you

We check offers across 40+ lenders so you don't have to.

Prepayment friendly

Most partner banks allow part-prepayment after 12 EMIs with minimal charges.

Loan Instrument

See your EMI before you apply.

Move the sliders — the split between principal and interest updates in real time.

Loan Amount ₹500,000

Interest Rate (p.a.) 13.50%

Tenure 36 months

Apply at this EMI →

Estimated Monthly EMI

₹21,494

● Principal
₹10,00,000

● Interest
₹2,89,640

Personal Loan

What you'll need

Keep these ready to speed up your application.

Documents Required

Keep these ready — our representative collects them at your doorstep.

PAN Card
Aadhaar Card
Last 3 months' salary slips
Last 6 months' bank statement
Passport-size photograph
Employment ID / offer letter

Eligibility Criteria

A quick self-check before you apply.

Age between 21–58 years
Minimum monthly income of ₹25,000 (varies by city)
Salaried or self-employed with stable income
Credit score of 700+ preferred
Minimum 1 year in current job or 2 years in business

Questions

Frequently asked questions

Depending on income and existing obligations, most salaried applicants qualify for ₹1 lakh to ₹40 lakh. Our eligibility calculator gives you a quick estimate based on your numbers.

No. Personal loans through our partner banks are entirely unsecured — no property, gold or fixed deposit needs to be pledged.

Once documents are verified and the bank sanctions the loan, disbursal typically happens within 3–4 working days.

A hard enquiry causes a small, temporary dip, but timely EMI payments build your score over time. Missed payments have the opposite effect.