Get a Personal Loan up to ₹50 Lakhs
Personal Loans Starting at 9.99% Interest
Enter your details to find eligible loan options in minutes.
Loan Up to
₹50 Lakhs
Official Lending Partners
25+ partners
Tenure Up to
5 Years
Good to Have for a Better Chance of Loan Approval
The factors below can help you understand your loan eligibility. However, actual requirements and benchmarks may vary by lender.
For better chances of approval: Maintain a CIBIL score of 750+, avoid recent loan/credit-card enquiries, keep all EMIs paid on time, and ensure there are no active settlements or overdue accounts.
What Our Customers Say About Hello Credit
See how Hello Credit helped customers resolve loan concerns and find suitable loan options.
Kavya K
“I couldn't get the loan approved due to having too many existing obligations. However, the team explained the reasons clearly and guided me with a proper plan to improve my CIBIL score and overall financial health. I really appreciate their honest advice and support. It was helpful to understand the steps I need to take to become financially stronger in the future. Thank you for the guidance!”
Suraj Thakur
“Great Place for a personal loan and Financial support. Quick response by team can get your loan processed within 7 days very kind and helpful staff. Special Thanks for helping me come out of my Financial Struggles.”
Ananya G
“finally I got loans after lots of rejections, thank you team”
Roopa N T
“The process is a bit lengthy and time consuming but it's completely worth it in the end.”
Bulu Jana Jana
“Genuine resolution.”
Prarthana kiran
“We can get the required details with the best solution!”
Personal Loans for Different Financial Needs
Find customized personal loan options with flexible repayment terms designed to help manage all types of expenses.
Medical Expenses
Quick access to medical emergency loans to cover treatments and support loved ones when they need it most.
Wedding Expenses
Plan and celebrate your special day stress-free with flexible wedding expenses personal loans.
Education Expenses
Support higher education and professional courses to build a better future with lower financial stress.
Travel Expenses
Turn dream destinations into reality with quick loans for flight tickets, stays, and travel tours.
Debt Consolidation
Simplify your finances by combining multiple active repayments and EMIs into one single low-interest loan.
Vehicle Expenses
Manage sudden vehicle repairs, modifications, maintenance, or high-value spare parts replacement smoothly.
Personal Loan Eligibility & Documents
Who Can Apply for a Personal Loan?
Your eligibility for a personal loan depends on factors such as your age, income, employment, credit profile, and the lender’s policies. You may be eligible if you meet the following general requirements:
- Age: Lenders may consider applicants between 21 and 57 years old.
- Credit Score: A CIBIL Score of 700 or above may improve your chances of getting a loan. However, Hello Credit’s lending partners may also provide loans to applicants with CIBIL Scores below 600. Check our lending partners
- Income: You should have a regular income source that supports your ability to repay the loan.
- Employment: Both salaried employees and self-employed individuals can apply, subject to the lender’s criteria.
- Existing Financial Obligations: Your current EMIs and other debt commitments will be considered when assessing your repayment capacity.
Documents You May Need
Once you meet the basic eligibility requirements, the lender may ask for documents to verify your identity, income, and financial profile.
Common documents include:
- PAN Card
- Aadhaar Card or other valid KYC documents
- Bank statements from the last 3–6 months
- Recent salary slips for salaried applicants
- ITR and business-related documents for self-employed applicants
- Employment proof or business proof, as applicable
Note: The exact eligibility criteria and documents required may vary from one lender to another.
Not Getting a Loan Due to a Low CIBIL Score?
Get Expert Guidance to Improve Your CIBIL Score and Explore Suitable Loan Options.
Calculate Your Personal Loan EMI
For example, if you select a ₹5,00,000 loan at 9.99% interest for 3 years, you can check an estimated monthly EMI of ₹16,131. Enter your desired loan amount, interest rate, and tenure to calculate your estimated EMI.
Estimated Monthly EMI
₹9,461
Why Choose Hello Credit for Your Personal Loan?
Get expert guidance to compare loan options, clarify repayment terms, optimize credit health, and identify offers matching your repayment capacity.
Lending Partners
Explore personal loan options from our trusted lending partners, including Muthoot Finance, Poonawalla Fincorp, and Bajaj Finserv. Compare available offers and choose an option that suits your financial needs.
Secure & Private Information
Your PAN, Aadhaar, bank statements and other KYC documents are handled through secure processes and Shared with relevant lenders only with your consent for loan verification.
Transparent Information Provided
Get clear details on interest rate, EMI, tenure, applicable fees, and repayment terms before processing a loan, as per RBI’s Guidelines on Digital Lending.
Manage Your CIBIL Score
If you have a low CIBIL score, our team can guide you on improving your credit profile and help you understand loan options based on your eligibility.
Secured and Unsecured Loan Options
Depending on your requirements, we may connect you with secured or unsecured loan products offered by our lending partner.
Simple Application Support
Get step-by-step support throughout the loan application process, from checking eligibility and submitting documents to connecting with the right lending partner.
Find a Suitable Personal Loan from Our Partners
We connect you with official banking, RBI-registered NBFC, and fintech partners to compare terms and choose the perfect fit.
Poonawalla Fincorp
NBFC Partner
Aditya Birla Capital
NBFC Partner
Bajaj Finserv
NBFC Partner
Muthoot Finance
NBFC Partner
Incred Finance
NBFC Partner
TrustPaisa
FINTECH Partner
Easy Steps to Apply for a Personal Loan
We make the entire application process simple, clear, and focused on helping you understand your eligibility and find suitable loan options.
Fill in Your Details
Click the “Apply Now” button, enter your name and phone number, verify your OTP, and submit the required details.
Get a Call from Our Team
A Hello Credit representative will contact you to understand your requirements and guide you on eligibility.
Document Verification
Keep your PAN, Aadhaar, bank statements, and salary slips ready. Your credit score will be checked.
Resolving Your Credit Issues
If needed, our team will guide you to resolve overdue payments or low CIBIL scores to improve loan readiness.
Discuss Your Loan Options
After optimizing your loan readiness, we discuss suitable offers and connect you with matching lending partners.
Things to Keep in Mind Before Taking a Personal Loan
Before taking a personal loan, keep a few important financial factors in mind to understand the cost of borrowing, choose suitable loan terms, and avoid unexpected charges or repayment issues.
Know your Interest Rates
Different lenders offer different interest rates based on factors such as your credit profile, income, employment, and loan terms. Even a small difference in the interest rate can affect your EMI and total repayment, so compare the rates and overall loan cost before choosing a loan.
Check Your CIBIL Score
Your CIBIL score can influence your chances of getting a personal loan, Interest rate, and the terms offered by a lender. A lower score may make it harder to qualify or may result in less favorable loan terms, depending on the lender's eligibility criteria. Check your CIBIL Score before applying to understand your credit profile and review your eligibility.
Check your Loan Tenure and EMI
Before securing a loan, check the loan tenure and EMI carefully. A longer loan tenure may reduce your monthly EMI, but it can increase the total interest and overall repayment amount. Choose a tenure that keeps the EMI manageable while considering the total cost of the loan.
Compare Multiple Loan Providers
This means checking different lenders to find an offer that suits your financial situation. For example, if one lender offers a ₹5 lakh loan at 12% interest and another offers it at 14%, compare the EMI, processing fee, tenure, and total repayment before deciding.
Frequently Asked Questions About Personal Loans
Have doubts about rates, documents, or CIBIL requirements? Explore answers to common questions below.
1. Personal Loan Basics
2. Eligibility & Application
3. Loan & Hello Credit
Check Whether You’re Eligible for a Personal Loan
Submit your basic details to explore loan options from 25+ lending partners, including banks, NBFCs, and other financial institutions. Free, secure, and with no impact on your credit score.