It pays to pay with a Credit Card. Literally.

Best offers on Credit Cards.

  • credit cards

    Convenience is the name of the game when it comes to credit cards. But in addition to that, credit cards are extremely helpful in building your credit score. They are hassle-free, provide up to 45 days of interest-free credit period, and come packed with exciting rewards, cashbacks and offers.

    In addition to the above, credit cards also offer various facilities like revolving credit (i.e. pay minimum balance every month), cash withdrawal from ATM, converting purchases into EMI, balance transfer from another card at minimal or zero cost, etc.

  • Eligibility:

    18 years and above.

    Credit Score:

    750 and above.

    Minimum Net Income (Monthly):

    ₹15,000 for non-metro cities.

    ₹20,000 for metro cities.

  • Documents

    The actual list of documents varies from one bank/NBFCs to another. That said, here’s a list of the most common documents that are expected from all of them.

    Proof of Identity:

    PAN Card / Voter ID / Aadhaar Card / Passport / Driving License

    Proof of Address:

    Bank Account Statement / Aadhaar Card / Lease Documents / Property Purchase Agreement / Utility Bill / Passport / Driving License

    Proof of Income:
    --For Salaried Professionals:

    Salary Slip / Bank Account Statement / Form 16

    --For Self Employed Individuals:

    ITR / P&L Statement and Balance Sheet / Bank Account Statement

    Proof of Business:

    Certificate of Practice / Partnership Deed / GST Registration and Filing Documents / MOA & AOA / Shop Act License

  • Rate of interest

    The rate of interest for personal loans differs from one bank to another. Other factors such as your Credit Score, tenure of the loan and the amount requested, also affect the overall interest rate.

    Check the list above to know the current rate of interest on personal loans, offered by some of India’s leading banks and NBFCs.

  • Other details

    Multiple Banks/NBFCs also provide special category personal loans for certain segments of our society.

    Personal Loan for Women:
    This is a special category of personal loan offered to women at a preferential rate of interest. Its purpose is to promote and support female entrepreneurs and working women.

    Personal Loan for Pensioners:
    Another special category personal loan, this is only offered to senior citizens to aid their retirement needs, medical expenses and/or travel plans. These are also disbursed at a preferential rate of interest.

    Pre-approved Personal Loan:
    A category of personal loan known more popularly as Instant Personal Loan. These are offered to existing customers of the Bank/NBFC only.

    Top-up Loan:
    A top-up personal loan is a personal loan that’s issued to the borrower over and above what is already owed to the Bank/NBFC. They are offered at the discretion of the lender and at similar interest rates such as a standard personal loan.

    Balance Transfer:
    Every borrower can transfer the principal outstanding amount of an existing loan to a new lender who’s offering a lower interest rate. This helps in decreasing the overall interest payout over the remaining tenure of the loan.

    Partial Prepayment:
    The borrower can repay a loan amount that’s greater than the fixed monthly EMI. This extra amount is considered as Partial Prepayment and decreases the outstanding principal amount. As a result, reducing the total interest outgo. A bank/NBFC can charge a prepayment penalty in such scenarios.

Check loan status, interest & Installment.


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  • Easy to Understand Process

    Our Step completion process is very easy to understand and we collect only the required data from the customers.

  • Quick Loan Application In 10 Mins

    Through PrimeLoan's Quick Apply process, you can complete your loan application well under 10 mins

  • 40+ Banking Partners to Choose from

    PrimeLoan has partnered with 40+ leading banks and lending institutions to provide you the best loan offer with lowest possible interest rate.

  • Instant Loan Eligibility Check

    Know whether you are eligible for loan processing or not even before submitting your application, without any wait.

  • 100% Online Application Process

    Our loan application process is fully digital and secure, you don't have to make any physical visits to any banks.

  • No Annoying Phone Calls

    Know whether you are eligible for loan processing or not even before submitting your application, without any wait.

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