Instant Personal Loan
Instant personal loan, decided in minutes
A short-term loan for salaried professionals who need money today, not next week. Fully online, no collateral, with every rupee of cost shown before you accept.
- ₹8,000 – ₹75,000
- 7–365 day tenure
- Decision in ~10 minutes
- No prepayment charges
Soft check only: your score stays untouched
Apply for your loan
Check your offer in 2 minutes.
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Loans by Salora Capital Limited, RBI-registered NBFC (CoR N-13.01855).
Estimate the cost firstCalculator
Price your instant loan
Move the sliders or type a figure. Every cost updates live.
Your estimate
- Principal Amount
- ₹20,000
- Interest AmountSimple interest on the principal
- ₹334
Estimate only. GST on the processing fee and your exact figures are shown in your Key Fact Statement before you accept.
What is an instant personal loan?
Most instant loans are fast but vague about price. Ours is fast and specific. You see the interest, processing fee, the amount that will land in your bank and the APR before you e-sign anything.
Applications are checked automatically against your PAN, Aadhaar, bank statement and credit report. If everything matches, a decision comes back in about 10 minutes and the money is sent to your salary account the same day.
Best for
Salaried employees with a net salary of ₹30,000 or more
Anyone who needs funds within the day for a planned or unplanned expense
People who prefer one repayment on payday over a long EMI
Key facts
Instant Personal Loan at a glance
The same transparent pricing applies to every product.
- Loan amount
- ₹8,000 – ₹75,000
- Tenure
- 7 – 365 days
- Interest
- 1.67% per month
- Processing fee
- 1.18% (incl. GST)
- Prepayment charge
- ₹0
- Min. salary
- ₹30,000/month
The process
How the instant loan works
- Step 1 · ~1 min
Confirm your number
A one-time code checks it’s really you. Then add your salary and employer name.
- Step 2 · ~3 min
Prove it’s you, digitally
Aadhaar eKYC, a quick live selfie, and three months of salary credits shared through Account Aggregator.
- Step 3 · Decision ~10 min
Read the KFS, then sign
Your Key Fact Statement lists the rupee cost, APR and due date. Happy with it? E-sign in one tap.
- Step 4 · Same day
Funds land, payday settles it
The lender pays into your salary account. On payday, one UPI payment or auto-debit closes the loan.
Eligibility & documents
Do you qualify?
Who can apply
- Indian resident, 21–55 yearsWith a valid PAN and Aadhaar
- Salaried, full-timePrivate company, PSU or government. Self-employed not yet supported.
- Net salary ₹30,000+ per monthCredited to your bank account, not paid in cash
- Serviceable pincodeMajor metros and Tier 1–2 cities. We'll confirm at sign-up.
What to have on hand
- PAN cardVerified instantly, no upload needed
- Aadhaar-linked mobileFor paperless eKYC by OTP
- 3 months' salary statementFetched securely via Account Aggregator, or a PDF upload
- A live selfieTaken in the browser, for your security
FAQs
Instant Personal Loan FAQs
How instant is an instant personal loan?
For complete applications with matching KYC, most decisions arrive in about 10 minutes during working hours. Disbursal follows the same day once you e-sign the loan agreement.
Do I need to visit a branch or courier documents?
No. Everything happens on your phone: Aadhaar OTP for eKYC, a live selfie, and a bank statement fetched through Account Aggregator or uploaded as a PDF.
Can I get an instant loan with no credit history?
Yes. First-time borrowers can apply. We assess your salary credits and banking behaviour along with any bureau history.
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Your salary, a little early.
Check your offer in 2 minutes. It’s free and won’t affect your credit score. Once your loan is disbursed, Salora Capital Limited reports it to the credit bureaus every month.
Loans by Salora Capital Limited, RBI-registered NBFC (CoR N-13.01855).