Offers for New Customers
3 Unique Variants
Loan of up to Rs. 40 Lakh
No Guarantor / Collateral
No Hidden Charges
Why choose Personal Loan
Features & Benefits of our Personal Loan
A personal loan is an unsecured loan not backed by collateral or security — making it a flexible financing option with no limitations on its use.
Debt Consolidation
Combine multiple debts into a single loan with a lower interest rate to save money on interest payments and make debt management simpler.
Home Renovation
Fund home renovation projects to increase the value of your home and improve your living conditions without tapping into savings.
Medical Expenses
Cover unexpected medical expenses such as emergency surgery or hospitalization quickly, without the stress of arranging funds under pressure.
Emergency Expenses
Handle unexpected expenses like medical emergencies or urgent car repairs without financial hardship — funds disbursed fast when you need them most.
Eligibility
Meet the following criteria to qualify for a Personal Loan from Fintexis Services.
Age
Applicants must be between 21 and 65 years of age at the time of application.
Income
Salaried applicants must earn a minimum of ₹15,000/month. Self-employed applicants must earn a minimum of ₹2,00,000/year.
Credit Score
A credit score above 650 is required. A higher score improves approval chances and may unlock better rates.
Debt-to-Income Ratio
A healthy ratio between existing debt obligations and monthly income is assessed to determine repayment capacity.
Employment Stability
Consistent employment history and a stable source of income demonstrate reliability to lenders.
Repayment History & Residency
A clear repayment history and good credit behaviour are essential. Applicant must be a Resident Citizen of India.
Required Documents
- PAN Card (mandatory)
- Aadhaar Card / Voter ID / Passpor
- Address Proof — Electricity Bill / Ration Card
- Passport-size Photographs
- Bank Account Details (for payouts)
- Last 6 months Bank Statement
- GST / Business Registration (if applicable)
- Professional License (for CAs, Doctors, Lawyers)
- Income Tax Returns — last 2–3 years
EMI Calculator
Loan EMI
Total Interest Payable
Total Payment
(Principal + Interest)
FAQs
Personal Loan FAQs
What is the minimum credit score required to qualify for a personal lo
Depending on several factors, including the loan amount, loan term, income, and employment history, different lenders have different minimum credit score requirements to be approved for personal loans. Most lenders consider a credit score of 650 or above to be strong enough to qualify for a personal loan. To be eligible for a personal loan with low-interest rates and advantageous terms, some lenders may require a credit score of 700 or better.
Can pensioners with a pension account at one of the leading banks in India apply for a personal loan?
Yes, pensioners who have a pension account with one of India’s leading banks may be eligible to apply for a personal loan. Many banks and financial institutions in India provide personal loans to retirees, with some lenders catering specifically to this demographic. Personal loans for pensioners may have different eligibility criteria, terms, and conditions than regular personal loans. Lenders, for example, may impose age restrictions or require proof of pension income to qualify for a loan. Before applying for a personal loan, pensioners should carefully review the eligibility criteria as well as the terms and conditions. They should also compare various lenders and loan options to determine which one best meets their needs and financial situation.
Can students apply for a personal loan?
Students are eligible to apply for a personal loan. However, depending on the lender and the student’s financial situation, the eligibility criteria and loan terms may differ. If the student is employed or has a steady source of income, procuring a personal loan may be easier. A good credit score can also increase the likelihood of approval and result in lower interest rates. On the other side, the student might require a co-signer if they have little to no income to be accepted for a personal loan. A co-signer is a credit-worthy individual who consents to accept financial responsibility for the loan if the borrower is unable to pay it back.
Can I still apply for a personal loan if I already have a home loan?
Even if you already have a home loan, you can still apply for a personal loan. But, while determining your capacity to repay the personal loan, the lender may consider your current financial obligations, including your mortgage. While assessing your eligibility and the terms of the loan, your credit rating, income, and other variables could also be taken into account.