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How does Indialends small amount personal loan work?

1

Step

Provide basic
details

2

Step

Compare and
Select Offer

3

Step

Complete
Application Form

4

Step

Sign Agreement and Loan amount is credited.

The applicant must be at least 21 years old

The applicant should be a citizen of India

The applicant must have a valid Indian Bank Account

The applicant’s monthly income should be atleast ₹10,000

  • The applicant must be at least 21 years old


  • The applicant should be a citizen of India


  • The applicant must have a valid Indian Bank Account


  • The applicant’s monthly income should be atleast ₹10,000

Why Choose IndiaLends ?
  • Discover with ease

    Compare Pre-qualified offers from 70+ RBI Approved lenders

  • Unlock incredible savings

    Select offers with lowest interest rates and processing

  • Ultimate convenience

    Simple 4 step digital process to get instant approvals and quick bank transfers

  • Our commitment to transparency

    No hidden charges, no hidden information

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We collaborate with the best and biggest in the banking and
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Representative Example:

  • Indialends through it's partner lenders offers a flexible repayment period of 6 months to 60 months. Customer can avail a personal loan from Rs 10,000 onwards. The annualized reducing interest rate ranges from 10.25% to 29.99% depending on the customer's credit profile, and lender policy.

    Representative example APR calculation: Rs.1 Lakh loan availed at interest rate of 12% with processing fee of Rs.1,000 for a tenure of 60 months. Total interest payable by customer will be Rs.33,467 and monthly EMI will be Rs.2,224.

Frequently Asked Questions

  • Also known as a short-term loan, a small amount personal loan is a type of loan of up to ₹2 lacs that is scheduled to be repaid in a short period. This could be a year or more, but not more than 2 years. A small amount personal loan is generally taken to finance the short-term money requirements.

  • short-term loan can be taken by anyone who wants to meet his/her personal/professional needs. It could be taken by businessmen to meet working capital requirements. Working capital requirements include maintaining a cash flow and financing funds in a case of temporary shortage. In fact, salaried professionals and self-employed individuals too can apply for small amount personal loans to finance for personal needs such as purchasing consumer appliances and electronics such as laptops and smartphones. Even though these are short-term loan examples, anyone who meets the short-term personal loan eligibility can apply for a short-term loan.

  • Also known as a short-term loan, a small amount personal loan is a type of loan of up to ₹2 lacs that is scheduled to be repaid in a short period. This could be a year or more, but not more than 2 years. A small amount personal loan is generally taken to finance the short-term money requirements.

  • short-term loan is an easy way to meet any shortcomings in funds when in dire need. Apart from being an instant personal loan, there are a lot of other benefits of small amount personal loan. Some of them are:

    • Easy Access to Money
    • Quick Approval
    • Attractive Interest Rates
    • 100% Transparent process
    • Flexible repayment option(s)
  • There are many short-term loan providers varying from banks, NBFCs to private moneylenders'. Here are a few reasons why it is advisable to apply for short-terms loan online via registered portals:

    • Interest rates The interest rates offered by registered lenders are lower in comparison to private moneylenders'. The private moneylenders' cost of acquiring funds gets passed on in their loan rates making it expensive.
    • Loan amount Lending institutions consider your monthly income and repayment capabilities before determining the loan amount. Therefore, the chances of your loan getting approved are higher. However, moneylenders' do not run a background check making it possible for you to end up in a debt trap.
    • Credit Score Borrowing a loan from a registered lending portal also improves your credit score. If you have a high credit Score, you can negotiate on the interest rate on future loans. However, borrowing money from a private moneylender will not be considered in your credit history.
    • Terms And Conditions There is a lack of formal agreement when you borrow money from a lender. The terms are very unclear and there is no legal binding. The moneylender may ask you to repay the loan before the loan tenure ends or may increase the interest rates. However, a loan taken from a registered lender clearly states the terms and conditions related to the payment tenure, interest rate, and others.
  • The following conditions need to be met in order to apply for short-term loans online:

    • The applicant must be at least 25 years old.
    • The applicant must be a citizen of India.
    • The applicant must have a good credit score.
    • The applicant must have a valid Indian bank account
    • The applicant must have a minimum of ₹10000 as monthly income

    The other conditions for small amount personal loan eligibility vary from lender to lender. It also depends on the amount you wish to get, the loan tenure, and your capacity to repay.

  • The documents required for online short-term loans at lowest rates are:

    • Proof of Identity(Aadhaar/PAN card/Voter ID/Passport)
    • Proof of Age(Aadhaar/Driving License/Voter ID/Passport)
    • Bank statement for last 6 months
    • Proof of Income(salary slips of last 3 months or last year ITR or income declaration)
    • Passport-sized photograph(s)
  • IndiaLends is an online lending portal aiming to improve the financial marketplace by making credit products such as loan easily accessible to applicants. With easy loan application process, IndiaLends promises to provide instant approval and fast disbursal to individuals.

    Here are few other reasons to choose IndiaLends for short-term loans online:

    • Instant Approval
    • EMI starting from ₹1400
    • Cash within a few days
    • Flexible repayment option
    • Minimum documentation
    • Loan offers for individuals with salary starting ₹10,000
    • Pre-active customer care support

    IndiaLends focusses to make loan process easy and simple for all its customers.