Use funds flexibly
Consider eligible personal needs without linking the loan to one purchased asset.
Handle planned expenses or unexpected needs through an unsecured loan journey based primarily on your profile and repayment capacity.
No collateral
Generally unsecured
Digital
Application support
Flexible
Multiple personal uses
Planned
Fixed EMI journey
Flexible by design
Personal loans are generally unsecured and assessed through income, obligations, employment stability, and credit profile.
Consider eligible personal needs without linking the loan to one purchased asset.
Prepare KYC, income, employment, and banking information for review.
Compare fixed EMI and tenure choices against your monthly budget.
SaveDost support
Get help organising KYC, income, employment, and bank details for a smoother digital journey.
Get application guidanceSmart borrowing benefit
Estimate the monthly repayment before selecting the amount and tenure you want to explore.
Calculate personal-loan EMI
Personal priorities
Borrow for a clear need and select an amount that fits your repayment capacity.
Simple application journey
Estimate the genuine need and a comfortable monthly EMI.
Share employment, income, obligations, and KYC information.
Provide the salary, bank, or business records requested by the lender.
Check rate, fee, tenure, EMI, and total repayment before accepting.
Submit information through a protected journey.
Review rates, fees, tenure and conditions before accepting.
Understand affordability, documents, and the lender’s final terms.
Personal Loan Help
Clear answers about collateral, use, eligibility, EMI and charges.
Personal loans are generally unsecured, though every product remains subject to the lender’s policy and assessment.
Many personal loans allow flexible end use, subject to exclusions and the terms specified by the lender.
Income, employment or business stability, existing EMIs, credit history, requested amount, and lender policy can affect eligibility.
Compare the annual rate, processing fee, total repayment, EMI, tenure, prepayment terms, and late-payment charges.