Get Personal Loan up to ₹20 Lakh
Paisa Kredit offers personal loans with flexible EMIs ranging from 12 to 120 months. Interest rates start at 7.99% and go up to 15% per annum, depending on eligibility. Apply online with minimal documentation and enjoy a transparent, secure loan process. T&C apply
Apply for a Personal Loan Instantly
Paisa Kredit: Your Ultimate NBFC for Instant & Hassle-Free Personal Loans!
Why Choose Paisa Kredit?
Welcome to Paisa Kredit, a trusted Non-Banking Financial Company (NBFC) recognized by the Reserve Bank of India. We specialize in providing small loans designed to address your everyday financial needs.
At Paisa Kredit, we believe that financial support can significantly impact your journey towards achieving your aspirations. Whether you need funds for a personal project, a medical emergency, or any unexpected situation, we are dedicated to helping you navigate through it with ease.
- Personal Loans from ₹50,000 to ₹20 Lakhs
- No Delays. Just Quick Loan Approvals
- Transparent Process. Trusted Support
Your Trusted Partner in Financial Assistance
Minimum Loan Amount: Rs 50,000
Monthly Interest Rate: 1.2% Per Month
Minimum Repayment Tenure: Up to 12 Months
Maximum Repayment Tenure: Up to 10 Years
Minimum Loan Amount: Up To Rs 50,000
Maximum Loan Amount: Up To Rs 20,00,000
Processing Fees: 2% Of The Loan Amount
EMI Bounce Charge: Rs 590/- Bounce Charge
No Pre-Closure Charges
Annual Interest Rate: Approx. 7.99 To 15%
Why Choose Paisa Kredit?
Flexible terms and reliable service
1. Submit Your Loan Applicatio
Fill out our simple online form to start your loan journey.
2. Submit Documents
Provide necessary documentation to verify your details.
3. Awaiting Loan Approval
Our team will review your documents to ensure a smooth process.
4. Loan disbursed to your account
Receive your loan approval and access your funds quickly.
Eligibility & Required Criteria
Eligibility & Required Criteria
Paisa Kredit ensures responsible lending. Applicants must meet the following eligibility requirements based on their employment type.
Salaried Professionals
Age: 21–60 years
Income: ₹20,000/month minimum
Experience: At least 1 year job experience
Self-Employed Individuals
Age: 25 years and above
Income: ₹2.5 Lakhs+ per year
Business Duration: Minimum 2 years stable business
Business Owners
Age: 25 years and above
Income: ₹5 Lakhs+ turnover annually
Business Duration: Minimum 3 years of operations
List of Required Documents
Submit the following documents based on your profile to speed up the loan process.
| Category | Documents Required |
|---|---|
| Common for All |
|
| Salaried Professionals |
|
| Self-Employed & Business Owners |
|
Easy Loans,
Smarter Choices
At Paisa Kredit, we believe that getting financial support shouldn’t be complicated. We bring speed, simplicity, and clarity to your loan journey. From applying to approval, everything is designed to make your life easier and stress-free.
We're more than just a lending platform — we’re your financial partner helping you move forward with confidence and convenience.
100% Online Process
No paperwork, no hassle — apply and manage your loan digitally from start to finish.
Fast Disbursal
Quick approvals and funds transferred to your bank within minutes of verification.
No Security Required
Access loans without pledging any property or assets — safe and simple borrowing.
Loan Representative Example
| Loan Summary Details | |
|---|---|
| Loan Amount | ₹50,000 |
| APR | 25.2% |
| Tenure | 12 Months |
| Processing Fee | 2% of the loan amount |
| GST on Processing Fee | ₹180 |
| Amount Disbursed | ₹48,820 |
| EMI | ₹4,998 |
| Total Repayment Amount | ₹59,978 |
| Total Interest | ₹9,978 |
This example demonstrates the total cost of a ₹50,000 loan with all applicable fees and interest over 12 months.
Hassle-Free Personal Loans for Every Need
Quick Approvals. Minimal Documentation.
Trusted by Thousands Across India
Real experiences from customers across India who trusted Paisa Kredit for their personal loan needs.
"Applying for a personal loan with Paisa Kredit was one of my best financial decisions. The money was credited in just two days and the whole process was 100% online."
Rahul Sharma
"I urgently needed funds for a medical emergency. Paisa Kredit not only approved the loan quickly but their support team guided me throughout the process. Grateful!"
Priya Sinha
"As a small business owner, I needed a loan to expand. Paisa Kredit offered me the best deal with no collateral and flexible EMI options. Very satisfied."
Amit Desai
"I took a loan from Paisa Kredit for my wedding expenses. Everything from documentation to disbursal was super quick and smooth. Thank you, Paisa Kredit!"
Sunita Reddy
Got Any Questions About Personal Loans?
The eligibility criteria for a personal loan vary, but generally, you need to be a resident of India, aged between 21 to 60 years, and have a stable source of income. Your credit score, employment history, and income level are important factors considered during the application process.
You can apply for a personal loan with Paisa Kredit by visiting our website or downloading the Paisa Kredit mobile app. After filling in the necessary details and submitting the required documents, our team will review your application and get back to you with a decision.
The maximum loan amount varies based on your eligibility and income level. At Paisa Kredit, we offer personal loans ranging from ₹10,000 to ₹5,00,000. You can use our loan calculator to estimate the loan amount you may qualify for based on your financial profile.
At Paisa Kredit, we strive to provide quick approval for personal loans. In most cases, your loan application will be reviewed within 24 to 48 hours. After approval, the loan amount will be disbursed to your bank account within 3-5 business days.
The interest rate for personal loans at Paisa Kredit depends on various factors including your credit score, loan amount, and repayment term. The rates typically range from 11% to 22% annually. For exact rates, you can contact our customer support or check the loan calculator on our website.
No, at Paisa Kredit, we do not charge any prepayment penalties. You can pay off your loan early without any additional fees, which can help you save on interest charges.