Personal loans · Salaried & self-employed
Get a Personal Loan from ₹50K to ₹20 Lakh
Paisa Kredit shows you the full cost of a personal loan before you accept it: the interest rate, the APR, every fee, and the exact amount that reaches your bank account. Approval depends on credit appraisal, and you can say no at any step.
Loans are subject to credit appraisal and approval. Rates shown are indicative.Quick check
Check your EMI and eligibility
About a minute. Nothing is submitted and your credit score is not affected.
- 1Loan
- 2You
- 3Income
Estimated EMI
₹0
KFS before you signFull cost in one page
From 10.99% p.a.Reducing balance
Up to ₹25 lakhLoan amount,
from ₹50,000
60 monthsLongest tenure,
from 6 months
10.99%Starting
rate per year. Your rate may be higher
₹0
collateralUnsecured. No guarantor needed*
*Subject to appraisal. In some cases we may ask for a co-applicant.
Why Paisa Kredit
Loan terms in plain words, not fine print
Most loan stress comes from things nobody explained. We put the numbers up front so you can decide calmly and compare us with any other lender.
Clear paperwork
One-page Key Fact Statement and an agreement in a language you understand.
Built on RBI rules
We follow RBI's Fair Practices Code and digital lending directions.
Flexible tenure
Choose 6 to 60 months and see the EMI change as you move the slider.
Prepay when you can
Part-pay or close early. Any charge is stated in your KFS, and RBI rules bar prepayment charges on floating-rate individual loans.
Loan types
A personal loan for every real need
All loans are unsecured and repaid in fixed monthly instalments. Amounts, tenures and rates are indicative; your offer depends on your credit profile.
Medical Emergency Loan
Hospital bills, surgery and treatment. Keep your hospital estimate or bills handy. We will tell you the expected timeline when you apply.
Best for: Planned or urgent treatment- Amount₹30,000 – ₹10 lakh
- Tenure6 – 48 months
- Rate p.a.11.5% – 20%
- Processing feeUp to 2% + GST
Quick EMI
What will my EMI be?
Slide to a rough figure. For the fee, APR and full schedule use the detailed calculator.
₹50,000₹25,00,000
6 months60 months
8%30%
Estimate only. Your sanctioned rate and fees are in your Key Fact Statement.
Rates & charges at a glance
The numbers that matter, in one place
10.99% to 22%
Interest per year on reducing balance, depending on loan type and your profile.
Up to 2% + GST
Processing fee, deducted at disbursal and shown in the KFS.
Prepay anytime
No charge on floating-rate individual loans. Fixed-rate rules are in your KFS.
Penal charge
Only on the overdue amount and never compounded. Disclosed upfront.
How it works
From first click to money in your account
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Check your EMI
Use the calculator to find an amount and tenure that sits comfortably in your budget.
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Apply and verify
Share your details and documents. With your consent we complete KYC and a credit check.
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Read your Key Fact Statement
See the APR, every fee and the repayment schedule. You can say no at this stage.
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Accept and sign
Sign the agreement and set up your EMI mandate. A cooling-off period may apply.
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Receive the money
The loan is credited directly to your own bank account.
RBI guidelines & your rights
Lending the way the Reserve Bank expects
Paisa Kredit follows the Reserve Bank of India's Fair Practices Code and its digital lending directions. Here is what that means for you.
Key Fact Statement
A standard one-page summary of amount, rate, APR, fees and contacts before you sign.
APR disclosed
The true yearly cost including fees, so you can compare us with any lender.
Every charge listed upfront
Only charges written in your KFS and agreement can be applied.
Direct money flow
Disbursal and repayment move directly between your account and the lender.
Respectful recovery
Calls only between 8:00 am and 7:00 pm. No abuse, no threats.
Your data, your consent
We collect only what the loan needs, with clear consent and a stated purpose.
Stay safe from loan fraud
Five things we will never do
- Ask for money to release a loan. Pay only the charges shown in your KFS, from your own bank account.
- Ask for your OTP, PIN, CVV or password. No genuine lender needs these to disburse a loan.
- Send you to install a remote-access app to complete your loan.
- Access your contacts, photos or gallery without clear, specific consent.
- Call you outside 8:00 am to 7:00 pm for recovery, or abuse or threaten you.
FAQ
Questions people ask before borrowing
The interest rate is the cost of the money you borrow. APR also includes fees such as the processing fee, so it shows the real yearly cost. Compare loans using APR, not just the interest rate.
Approval is decided case by case on income, existing obligations and repayment history. A lower score can mean a higher rate, a smaller amount, or a decline. Improving your score and re-applying later is always an option.
Yes. You can part-pay or foreclose at any time. For floating-rate loans to individuals for non-business purposes, RBI rules do not allow a prepayment charge. Check your KFS for the rule on your loan.
The processing fee and GST are deducted at disbursal. Our EMI calculator shows this as the amount you receive in your account. The deduction is also written in your KFS.
Personal loans are unsecured, so no collateral is needed. In some cases, for example a thin credit history, we may ask for a co-applicant. You will be told before you apply.
Contact customer care first, then the Grievance Redressal Officer. If you are still not satisfied or hear nothing within 30 days, you can file a complaint with the RBI at cms.rbi.org.in.
Ready when you are
Work out your EMI, read the terms, and apply only when the numbers feel right. Our team will explain anything you are unsure about.