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CredLinq
Personal Loans guide

Personal Loans — Costs and Eligibility Explained

Personal loans typically range from ₹50,000 to ₹40 lakh. The lender decides the amount, rate and paperwork.

Typical market range
Rates vary by lender and profile
Max amount
₹40 L
Tenure
1 - 5 years
EMI Calculator

Estimate your monthly EMI

Existing EMIs or card dues? Compare a hypothetical consolidation scenario.

₹6.00 L
10.99%
4 yr
Monthly EMI
₹15,504
Principal
₹6,00,000
Total interest
₹1,44,211
Total payment
₹7,44,211
Ask the CredLinq team

Send an enquiry

Share a few details and we'll reply with general options for your profile. No fees, no obligation.

  • No charge to you
  • Never shared with a lender without your permission
Step 1 of 2: About your loan

About 2 minutes · No PAN, Aadhaar or bank statements

Purpose

One more short step and we'll send your plan.

Your estimate

Updates as you type. Nothing is saved until you submit.

Enter a loan amount to see an estimate.

Estimate at typical published rates (10.5%–21.5% a year; 24 lenders' websites, 22 Oct 2026). Excludes fees. Not an offer — your lender sets the final rate.

Compare loan by loan in the full EMI savings calculator
See what you could pay

Get an estimate before you share any documents

No impact on your credit score

Estimated eligibility
Fill in the details and click "Check my eligibility" to see your estimated borrowing amount.
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Frequently asked questions

Why don't you send my application to every lender?
Blasting your details to every lender leads to endless sales calls, mismatched offers and a poor borrowing experience. The CredLinq team reviews your enquiry. We won't share your details with any lender without your permission.
How do you recommend lenders?
Our team looks at your loan need, income and existing EMIs and explains which type of lender — a bank like HDFC Bank or ICICI Bank, or an NBFC like Bajaj Finance or Tata Capital — tends to suit profiles like yours. You choose and apply directly.
What information do you use to evaluate my profile?
We use the details you share in the enquiry form — such as name, contact, city, employment type, monthly income, loan type and loan amount — along with any additional context you provide about your requirement. We do not run a credit bureau check on our own.
Will I receive calls from multiple lenders?
The CredLinq team reviews your enquiry and may contact you about it using the details you give. We don't sell your details, and we won't share them with any lender without your permission.
How is my personal information handled?
The CredLinq team reviews your enquiry and may contact you using the details you give. We don't sell your details or share them with any lender without your permission.
What documents will I need?
CredLinq doesn't ask for documents. If you choose to apply, the lender will ask for them directly: usually KYC (PAN, Aadhaar), recent income proof (salary slips or ITR) and bank statements. The lender will tell you its exact list.
Where do my KYC documents go?
Directly to the bank or NBFC you choose, through their own secure channel. CredLinq doesn't ask for your PAN or Aadhaar and does not store regulated KYC documents.
Is approval guaranteed if I send an enquiry?
No. All eligibility, underwriting and sanction decisions rest solely with the bank or NBFC you choose.
What if I change my mind or want to opt out?
You can stop at any point. The CredLinq team may contact you about your enquiry using the details you give. We don't sell your details or share them with lenders without your permission. Email priya@credlinq.com or use the withdrawal form in the Privacy Centre.

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Disclaimer: Interest rates shown are indicative only and may be out of date. Actual rates are subject to lender approval and applicant profile. Please verify the latest rates with the lender before making any financial decision.