Instant Personal Loan: 5 Key Checks Before You Apply

• Understand eligibility criteria including nationality, age (21-80 years), employment, and CIBIL score (650+).
• Choose a reputable financial partner like Bajaj Finance for transparency, quick approvals, and 24-hour disbursal.
• Evaluate interest rates (starting from 10% p.a. with Bajaj Finance) and processing fees to plan affordable repayments.
• Determine the appropriate loan amount (Rs. 40,000 to Rs. 55 lakh) and repayment tenure (12-96 months) using an EMI calculator.
• Thoroughly review all terms and conditions, including prepayment charges, late payment penalties, and hidden fees.