Instant Personal Loan

Compare Personal Loan offers up to ₹15,00,000 from our regulated lending partners — a quick, 100% digital, paperless application, start to finish.

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What is a Personal Loan?

A Personal Loan is unsecured financing from a bank or NBFC that you can use for any personal need — medical expenses, a wedding, travel, education, debt consolidation, or anything else — without pledging any collateral. You repay it over an agreed tenure through EMIs. NeerCred doesn't lend the money itself — we collect your details once and match you with partner banks/NBFCs who evaluate and, if approved, disburse the loan directly.

Who this is for

Salaried applicants — with a monthly income and standard employment documentation.
Self-employed applicants — lenders assess salaried and self-employed applicants differently, and the application reflects that distinction.
Anyone who wants to compare Personal Loan offers from multiple lenders through a single digital application, instead of applying separately with each bank.

Documents & information you'll need

You'll be asked for this directly in the application below — nothing needs to be uploaded or prepared in advance.

How much you'd like to borrow (₹50,000 – ₹15,00,000) and your preferred repayment tenure (3–60 months)

Employment type (Salaried / Self-Employed) and how your income is received

Monthly income

Date of birth and area pincode

Full name (as per PAN), mobile number, and PAN number

How it works

Fill in your details

Answer a short set of questions online — takes a few minutes.

Get matched

We match you with eligible partner banks/NBFCs based on your profile.

Complete with the lender

Finish your application directly with the matched lender to proceed.

Frequently asked questions

Does NeerCred lend the money directly?

No. NeerCred is a multi-lender marketplace (a Digital Lending Aggregator) — we match you with eligible partner banks and NBFCs. They lend, not us.

Are there any charges from NeerCred for this?

No. NeerCred doesn't charge you anything to compare or apply. Any lender-side deduction or charge is disclosed by the lender in the Key Fact Statement (KFS) and loan agreement before you proceed.

What happens after I submit my details?

You're matched with eligible partner lenders based on your profile, and you complete the rest of the application directly with the matched lender to proceed.

Is this the same application as on the NeerCred homepage?

Yes — this page and the homepage lead to the exact same Personal Loan application at /apply, using the same product details. There's no separate or different Personal Loan flow.

NeerCred is a multi-lender marketplace, not a lender — we match you with partner banks and NBFCs, who make the actual lending decision. No fees are charged by NeerCred; any lender deduction or charge is disclosed by the lender in the Key Fact Statement (KFS) and loan agreement before you proceed. See how it works and our compliance & disclosures for full details.

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