Navi Personal Loan


Navi personal loan serves your various financial requirements. You can avail loan upto ₹20 Lakh at an interest of 9.9% - 45% p.a. for a repayment tenure of 72 months.

With Navi personal loan app, you can get hassle-free loan solutions with minimal documentation without any collateral. Now get your desired loan amount in just a click.

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Navi Loan Details

Navi provides simple, affordable, and accessible financial products and services. Check the details on the table below to know more about Navi loan details:

Navi personal loan Interest rate 9.9% - 45% p.a.
Processing Fee NIL
Loan amount ₹10,000 - ₹20 Lakh
Tenure Up to 72 months

Navi Personal Loan Interest Rates

Interest rate plays a major role while you are planning to avail personal loan from any Banks and NBFCs. However, availing your desired loan amount at the most affordable interest rate is also equally necessary & convenient. And that’s exactly what Navi aims at providing you. Here are the details on Navi personal loan interest rate mentioned below:

Navi Personal Loan Interest 9.9% - 45% p.a.

Navi Personal Loan Fees & Charges

Before applying for a personal loan, it is necessary to have a comprehensive idea about the expenses involved in borrowing .The table presented below outlines the processing fees and other associated charges along with other Navi loan details:

Processing Fees Nil
Tenure Up to 72 months
Loan amount Up to ₹20 Lakh
Foreclosure Fee Nil

Navi Personal Loan Eligibility Criteria

Navi has specific requirements that the borrowers have to meet, like age limit for Navi loan, credit score, income level and employment status.These eligibility criteria are put in place to ensure that borrowers have the ability to repay the loan.

By referring to the table below you can determine the eligibility to apply for a Navi personal loan online and increase your chances of approval.

Age 18 - 65
Credit Score 650 and above
Income level (salaried or self employed) More than 3 Lakhs annually.
Employment Salaried or Self-employed

Documents Required for Navi Personal Loan

To proceed with a Navi Personal Loan application, it is important to gather the necessary documentation. These documents are essential for verifying your identity, income, and other relevant information. By providing the required documents, you can streamline the loan application process and increase your chances of approval.

Here, below is the list of the documents you will need to submit when applying for a Navi Personal Loan online.

*Applicable only to Indian residents.

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Calculate EMI For Navi Personal Loan

Now plan your repayments by calculating the Equated Monthly Installment (EMI) for your Navi personal loan beforehand.

Just by following a few simple steps like entering your preferred loan amount, interest rate, and loan tenure, calculate your EMI. This will help you take charge of your budget and make well-informed decisions regarding your financial obligations.

₹
%
Monthly EMI ₹86
Principal Amount ₹1,000
Total Interest ₹32
Total Amount ₹1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

Compare Navi Personal Loans Over Other NBFCs

Comparing interest rates with other NBFCs will help you ensure that you're getting the most competitive rate available in the market.This can also potentially help you make a more informed financial decision especially while availing a instant personal loan. Hence, refer to the table below before applying for a Navi cash loan and choose the right interest rates that suit your requirement.

NBFCs INTEREST RATE (p.a.)
Navi 9.9% - 45%
Paysense 16.8% - 27.6%
HDB Financial services Upo 36%
CASHe 27%
Home Credit 24%

Read More

Read Less

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Features & Benefits of Navi Personal Loan

Get a quick access to Navi cash loan to experience the seamless loan process along with other exclusive features and benefits as mentioned below:

Instant Approval

Now with navi, get
instant loan approval

Paperless approval

Get quick 100% Paperless
approval

Minimal Documentation

Get instant loan at most
minimal documentation

Flexible repayments

Select your preferred loan
tenure upto 72 months

Zero Collateral

Get collateral free
loan instantly

Desired loan amount

Avail loan amount
upto 20 Lakhs

Types of Navi Loans

Navi loan is safe as it offers personal loans that cater to specific requirements and situations. Hence, following the point below will help you have a better understanding of the various types of loans provided by Navi.

  1. Car Loan - Avail a personal loan for car purchase with Navi to purchase the vehicle of your choice. Now with a 100% paperless process get instant loan disbursal.
  2. Travel Loan - Now your dream destination is not a dream anymore! With competitive interest rates and a loan repayment tenure of 72 months for a smooth travel experience!
  3. Bike loan - With Navi Personal loan for a bike is easy now! With seamless loan application and disbursal process repay your loan at your convenience!
  4. Mobile loan - Navi instant loan provides for mobile gives and its customers the buying power of a new mobile in a 100% paperless manner!
  5. Marriage Loan - Don't compromise on your wedding plans. With a 100% paperless process Navi personal loan ensures instant approval, competitive interest rates, and flexible EMI options.
  6. Used Car Loan - With Navi instant personal loans, experience the numerous benefits including instant disbursal, hassle-free process with zero paperwork, and no requirement for collateral.
  7. Second Hand-Bike loan - Avail pre-owned bike loan is an option, availing a personal loan Navi for second hand bike is now feasible. Enjoy instant approval, competitive interest rate.
  8. Laptop Loan - With laptop loans, getting high functioning laptops is easy! Now with Navi’s instant personal loan for laptops you don't have to burn your savings on your favorite laptop.

How Do You Apply for Navi Personal Loans with Buddy Loan?

Steps To Apply For a Personal Loan with Buddy Loan

  • Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
  • Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.
  • Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option
  • Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).
  • Step 5: Enter your work details (Including company name, years of service and Designation)
  • Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)
  • Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.

Ready to take the next step? Apply for a Personal loan now!

Navi Loan Repayment

Loan Repayment is the process of returning the borrowed funds, along with interest rate, to the lender based on a fixed interest rate agreement. Timely payments of all your loan EMIs are crucial to ensure a smooth Navi loan repayment journey and avoid penalties.

Frequently Asked Question on navi Personal Loan

Navi personal loan provides instant funds that can be used for various purposes, with a simple application process, quick disbursal and 100% paperless documentation.

Navi provides personal loan up to ₹20 Lakh for a tenure period of 72 months.

Salaried individuals, self-employed professionals, and business owners who meet the specified eligibility criteria can get a loan from Navi.

Applicants should have a minimum credit score of 650 or above to avail Navi personal loan.

Navi Personal loan doesn’t charge any processing fee for personal loan.

Yes, you can repay the loan before your fixed period.

Navi does not charge any additional fees to foreclosure your loan.

Yes, your minimum loan amount for Navi personal loan is ₹10,000

Navi loan payments cannot be made directly with a credit card. However, for further information you can visit their official website.

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Please read the Terms & Conditions carefully as deemed & proceed at your own discretion.

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