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Personal Loans at 10.5% p.a.

Up to ₹50 Lakhs. No collateral. Same-day disbursal. For any personal need — no questions asked.

₹50 Lakhs
Max Amount
10.5% p.a.
Interest Rate
5 Years
Max Tenure
None
Collateral
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KEY BENEFITS

Why Our Personal Loans

🚀

Same-Day Disbursal

Complete your application by afternoon and get funds in your account the same day.

🔓

Zero Collateral

100% unsecured. No property or gold required. Loan purely on your income and credit score.

🎯

Any Purpose

Wedding, travel, medical bills, home renovation, gadgets, or emergency — no end-use restriction.

📋

Minimal Docs

Aadhaar, PAN, salary slips, and bank statements. That's all. No complex paperwork.

🔄

Flexible Tenure

Choose repayment from 12 to 60 months. Step-up and step-down EMI options available.

💳

Instant Pre-Approval

Check your loan eligibility in 60 seconds. Pre-approved for select bank customers.

EMI CALCULATOR

Plan Your Personal Loan

₹5.0L
₹50K₹50L
3 Years
1 Yr5 Yrs
Monthly EMI
₹16,251
Interest
₹85,044
Total
₹5,85,044
Interest Rate10.5% p.a.
8%24%

* Interest rate depend upon on your profile

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ELIGIBILITY

Who Can Apply?

Employment
Salaried (min 1 year) or Self-Employed (ITR for 2 years)
Age
21 to 58 years (salaried); up to 65 years (self-employed)
CIBIL Score
700+ for best rates; 680+ considered
Min Income
₹25,000/month (salaried); ₹3L p.a. (self-employed)
Employer
Government, PSU, MNC, or reputed private company preferred
Work Experience
Minimum 1 year in current job / 2 years in business
DOCUMENTS

What You'll Need

🪪Aadhaar Card & PAN Card
💼Last 3 months salary slips
🏦Last 3 months bank statements
📋Last 2 years ITR (self-employed)
📍Current address proof
📸Passport-size photograph
HOW IT WORKS

Same-Day in 5 Steps

01
Apply Online
Fill a 3-minute form. Zero branch visits required.
02
Instant Check
Instant credit check and pre-approval decision in 60 seconds.
03
Upload Documents
Upload salary slips and bank statements digitally.
04
Offer Issued
Loan offer with best rate issued within 4 hours.
05
Same-Day Credit
Funds in your bank account — same day, no delays.
FAQ

Personal Loan FAQs

A personal loan from CapitalFlax has no end-use restriction. You can use it for a wedding, vacation, medical bills, home renovation, gadget purchase, debt consolidation, or any personal need.

For pre-approved customers and individuals with complete documentation, disbursal happens the same day. In most cases, funds reach your account within 24 hours of loan sanction.

Loans are possible above 680 CIBIL, but rates will be higher. We recommend applicants with 700+ scores for the most competitive offers. You can check and improve your score before applying.

Prepayment charges vary by lender — typically 2–4% of outstanding principal. Some NBFCs allow free prepayment after 6 months. CapitalFlax helps you choose lenders with lowest prepayment penalties.

Homemakers and students without regular income typically don't qualify independently. However, they can be co-applicants with an earning family member to strengthen the loan application.

Get Funds Today

₹50 Lakhs | Same-Day Disbursal | 10.5% p.a. | Zero Collateral

Apply Now