- Visit the lender’s official website or app.
- Fill in your basic details (name, income, employment type).
- Upload KYC documents.
- Get instant eligibility check and approval.
- Loan amount is disbursed directly to your bank account.
💡 Smart Tips to Get Lowest Interest Rate
- Maintain a high credit score (750+)
- Compare offers from multiple banks
- Choose a shorter loan tenure
- Apply during festive or pre-approved loan offers
- Avoid multiple loan applications at once
🧮 Example EMI Calculation
| Loan Amount | Tenure | Interest Rate | Monthly EMI |
|---|---|---|---|
| ₹1,00,000 | 24 months | 11% | ₹4,660 |
| ₹5,00,000 | 36 months | 10.5% | ₹16,291 |
| ₹10,00,000 | 60 months | 11% | ₹21,739 |
(Use an EMI Calculator to plan your repayment smartly.)