₹40000 to ₹14,00,000
Check your pre-approved offer and other benefits
Enter phone and OTP | Check pre-approved offer | Apply online
Features and benefits of our Insta Personal Loan
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Pre-approved offers
No need to complete the entire application process to know how much loan you will get.
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Check offer in 2 steps
You can check your Insta Personal Loan offer by entering your mobile number and OTP.
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Money in your account in 30 minutes*
Get the funds you need quickly to manage all your urgent expenses.
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Long repayment period – up to 96 months
You can spread your repayment over 96 months, which means small instalments right from the start.
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No hidden charges
You can read our fees and charges on this page and on our loan documents. There are no hidden charges.
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No guarantor or collateral needed
You do not need to provide any collateral such as gold ornaments and property papers to get the loan.
*Applicable for select customers.
Eligibility criteria for Insta Personal Loan
Anyone can opt for our Insta Loans online. Your eligibility and documentation requirement depends on whether you are a new customer or have an existing relationship with us.
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If you are an existing customer
Since you are an existing customer with a pre-approved offer, there are no additional eligibility criteria that apply to you. Find out your loan offer in just two clicks. Some of our existing customers may be asked to submit additional documents, such as your income proof, KYC documents, and bank statement to get the Insta Personal Loan.
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If you are a new customer
New customers with an Insta Personal Loan offer may need to go through a CIBIL check and provide additional documents. The documentation and application process may differ slightly.
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Documents required
- KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
- PAN card
- Employee ID card
- Salary slips of the last 3 months
- Bank account statements of the previous 3 months
- Piped gas bill
- Pension order
- Letter of Allotment of Accommodation Issued by Employer
- Property / Municipal tax receipt
- Utility bill
- Real-time image / photograph
- Ration card
Age: 21 years to 80 years*
*Higher age limit applicable at the time of loan maturity.
How to apply for Insta Personal Loan
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Step-by-step guide to apply for a personal loan
- Click on ‘CHECK OFFER’ on this page to open our online form.
- Enter your 10-digit mobile number and verify your profile with the OTP sent to your phone.
- You will see an offer with a pre-assigned loan limit for you. You can either go with it or choose a lower amount.
- Select a repayment tenure that suits you best.
- Click on ‘PROCEED’ to complete the online process.
The online process may differ depending on whether you are a new customer or have an existing relationship with us.
Note: Some customers may need to submit additional documents to complete their Insta Personal Loan application process.
Frequently asked questions
Overview
Fees and charges
You can borrow up to Rs. 15,50,000, depending on the offer you have. Find out your loan offer in just 2 steps – by entering your mobile number and OTP.
While a regular personal loan can take around 24 hours, select customers can get their Insta Personal Loan in just 30 minutes*.
*Terms and conditions apply
The key features of our Insta Personal Loans are:
- Instant disbursal within just 30 minutes*
- No income proof needed*
- Pre-approved offers of up to Rs. 15,50,000
- Tenure of up to 96 months
*Applicable for select customers
An Insta Personal Loan is a pre-sanctioned offer; where your credit history and other parameters are already checked by the lender. Since the initial approval process is already done, Insta Personal Loans are processed faster. Here are some of the key features:
- Quick disbursal within 30 minutes*
- No documents needed*
- Pre-approved offers of up to Rs. 15,50,000
- Tenure of up to 96 months
*Applicable for select customers
Bajaj Finance offers all its loans with a part-prepayment facility. After clearance of your first EMI, you can make part pre-payments - just ensure that you read about part-prepayment charges carefully before proceeding.
Bajaj Finance offers Insta Personal Loans at attractive rates starting from 16% to 31% p.a.
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.