Apply for Loan Online | Low Interest Personal Loans @ 11.99% P.A.

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Online personal loan starting @11.99% pa.

Buddy Loan instant personal loan – Min salary required is Rs.20K

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Quick Personal loan – Get instant money at low-interest rate from a pool of lenders.

Quick & Easy Personal loans

are collateral free money with flexible repayment tenures. The competitive interest rates & high approval rates are unique features of online personal loan.

It can help you assess your financial crunch with a temporary solution. Serves as fast cash under medical emergencies, travel purposes, to bear marriage expenses & spend on overseas education etc. The leading Banks & Non-Banking Financial Companies (NBFCs) disburse loans at attractive interest rates. High-demand in personal loans has made the journey seamless.

A basic guide to help you choose a personal loan.

Personal loan highlights:

Quick Loan Approval:

Make use of the opportunity to meet lenders from different financial firms (banks & NBFCs). With the multiple lenders on one platform, there is less room for delay in personal loan approval.

Minimal & swift documentation:

Loan approval is easier & quicker with the right set of documents. The process requires minimal document set & could marginally vary from lender to lender depending on your personal loan requirements.

Collateral-free loans:

Quick Personal loans do not need any asset to mortgage for loan approval. It aggregates lenders and borrowers’ details for better loan transparency.

Flexible repayment options:

Easy Personal loans with open - end repayment tenures are available. Choose your loan repayment type & tenure here. (ranges between 3 months to 5 years)

Competitive interest rates:

Unsecured personal loans have high approvals in less time. If you share a decent credit history, you can avail a loan at lower interest rates starting at 11.99% pa.

High Approval Rates & Safety:

Enhance credibility with an online personal loan at high approval rates. The API platform is breach free from any illegal or unauthorized practice. It is completely safe.

Get Instant Assistance:

You can seek assistance on multiple EMIs, queries & concerns, transactions, loan tenure, pre & post-payment, acknowledgement through our Buddy Loan support team.

Personal loan documents & eligibility:

Proof of identity & address

– For Quick personal loan approvals, you can submit your Aadhaar card & PAN card. However, Voter ID, passport & driver’s license work as well. Proof of income – 3 consecutive months’ salary slip with the present organization or business can serve as income proof for a personal loan. Please note, the set of documents may vary marginally from lender to lender.

The personal loan bracket is eligible for any salaried and self-employed:

  • Preferrable age group of 24 & 60.
  • Basic income of 20k & above, ae eligible for an online personal loan.
  • Can be salaried or self-employed get a personal loan of minimum amount (Rs. 10,000) & maximum of (Rs. 15,00,000)
  • Buddy Loan services are available in major cities & towns across India
  • Provide last 3 months’ salary-slips/ relative income proof documents. Should support the current income criteria.
  • Have a decent CIBIL score between (700 - 900).
  • If you have an excellent credit history, you can accelerate the loan approval process at lower interest rates.

Personal loan comparison index:

Bank/NBFC Intereset rate Loan amount Processing fee Tenure Target age group Servicable location Salary bracket Credit score Employment type Product type
Lending Kart (18 - 30)% 50,000 - 1 Cr At 2% 18-65 Pan India 12 lakhs annual turnover and above 660 (560-660 will could be considered on case to case basis) + NTC Self employed working capital loans and business loans
Axis Finance (12 - 18)% Min: 50K max 50L 2% on loan amount + GST Upto 60 Months 21-60 Pan India Tier 1: 25K, Tier 2: 20k, Tier 3: 15k 650 min , actual >720 (V3), CIBIL>750 Salaried Personal Loan
ICICI (10.5- 19)% 50,000 - 25 Lacs Upto 2.25% of loan amount plus GST 12 to 72 months 23-58 30K+ 750+ Salaried PL
NIRA 5,000 - 100,000 INR 350-750 depending on the loan amount 3-12 months 21-55 Pan India 12000+ 660+ Salaried Short term loan
Muthoot Finance 1Lakh metreo , 50 k Non metro - Max 10 Lakhs 14.5 - 25% 12-60 months 23-60 Pan India 20K - 25K 750 & -1 & NTC Salaried Personal Loan
MoneyTap 15% 25k - 5 Lakhs 0-2% Upto 36 months 23 & above Tier 1 & Tier 2 cities 20k- 1Lakh 650+ Salaried Credit line

Calculate your personal loan EMI amount:

Now meet your financial needs with a pro-active decision. Choose your lender & required loan amount for your loan application the better way:

Personal loan amount based on your salary:

Your monthly payout - EMI = [P x R x (1+R)^N]/[(1+R)^N-1]

Representative Example:

For ₹1,00,000 borrowed for 1 year, with interest rate @13% per annum*, a user would pay:


A personal loan is a normal loan you can avail from Buddy Loan aggregator. There is no need to pledge any collateral to avail for a personal loan. Availing one is easy – you can apply online – and you can use the money to meet almost any expense.

You can avail loan up to Rs 15 Lakhs through Buddy Loan online with personal loan eligibility criteria. Once you submit the application you will be acknowledged well within 15 minutes. 

Personal loan can be availed for any need and expense. It can help you manage the expenses of a variety of financial needs including:

  • Travel
  • Wedding
  • Employed with an MNC, public or private company, or self-employed.
  • Medical emergencies
  • Home renovation
  • Higher education
  • And many more emergency purposes.

Getting approval on your personal loan online via Buddy loan, the application process is easy. Please keep the latest documents required by the bank.

As the documents differ from each organization. However, most often the approval is mostly dependent on the credit history.

Buddy Loan aggregator has the easiest application process for a personal loan.

However, the minimum salary required for the availing a personal loan is Rs. 20,000/-

What are the eligibility criteria for Personal Loan?

  • You must be a citizen of India
  • Aged between 23 and 57 years
  • Employed with an MNC, public or private company, self-employed too.
  • If you meet the salary requirements as specified based on your city of residence, you qualify for a personal loan.

To avail a personal loan, you will need to submit the following documents:

  • Proof of Identity: Passport / Driving License / Voters ID / PAN Card (anyone)
  • Proof of Residence: Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (anyone).
  • Proof of income: Latest 3 months Bank Statement (where salary/income is credited).

You can use the handy Personal Loan EMI Calculator to determine your monthly installments.

No, Buddy loan does not have any pre-payment charges whatsoever.

Personal loan limit extends up to Rs.15 lakhs, without pledging any asset. The applicant can repay the loan over flexible tenure ranging from 6 to 60 months.

Buddy loan aggregator offers personal loans with a range of attractive benefits including:

  • Instant approval
  • Minimal documentation
  • Flexible tenures
  • No hidden charges

Complete the application form online and avail your personal loan.

With 0 collateral, minimal documents & multiple lending options, avail a personal loan in snap. The process is quick, easy and channeled for a hassle-free loan journey.

Improve loan credibility, with 0 default personal loan.

Step 1: Download the Buddy Loan app, from Google play store or even visit: Visit our website to check and compare loan features online.

Step 2: Fill in all your details and the estimated loan amount i.e. needed.

Step 3: Submit your related documents online.

Step 4: Choose the lender from the dashboard panel.

Step 5: Submit your loan application.

Personal loan journey is quick & easy, if you channel your flexible repayments & competitive interest rates. Build your credibility with Buddy Loan. We house many solutions for different types of financial problems.

The pro-active & user-friendly BL support team, help you cross the risk of confusion, debt risk, avoid defaulting.

  1. Save time with a quick turnaround period of your application status.
  2. Transparent & 0 complexity in loan process
  3. Personal loan availability on weekends.
  4. Flexible repayment options with loan tenures between 6 months – 5 years.