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A personal loan is an unsecured loan you can use for any purpose — wedding, travel, home renovation, medical emergency or debt consolidation. You repay it in fixed EMIs over a chosen tenure. Interest is charged on the reducing balance, so paying early saves you money.
Most lenders require a CIBIL score of 700+, a stable income source (salaried or self-employed), and age between 21 and 60 years. Higher your score, lower the rate offered. Check your credit score free before applying.
Compare at least 3-4 lenders, maintain a score above 750, reduce existing EMIs before applying, and avoid multiple applications simultaneously. Use our EMI calculator to find a comfortable monthly payment.