Personal Loans without the paperwork drama
Weddings, travel, medical needs or just breathing room — get matched to the lender most likely to approve you, at the best rate your profile deserves.
Personal Loan
Interest rate
10.49% p.a. onwards
Loan amount
₹50k – ₹40 Lakh
Loan amount
₹50k – ₹40 Lakh
Interest rate
10.49% p.a. onwards
Tenure
1 – 6 years
Disbursal
Often within 24 hrs
Why apply through QCred
Approval-first matching
We check which lenders fit your income, employer and credit profile before you apply — protecting your credit score from unnecessary rejections.
100% digital process
From KYC to agreement signing, most personal loans complete entirely online. Money lands in your account, not in a queue.
No collateral needed
Personal loans are unsecured — no property papers, no gold, no guarantor for eligible profiles.
Flexible prepayment
Close your loan early or make part-payments. We highlight lenders with the lowest foreclosure charges upfront.
Find your best personal loan offers
It takes 2 minutes. This will not affect your credit score.
Compare personal loan rates across top lenders
Indicative ranges compiled by QCred — click a lender for full details, fees and FAQs.
| Lender | Interest rate | Processing fee | Max amount | Tenure |
|---|---|---|---|---|
| HDFC Bank | 10.75% – 21% p.a. | Up to ₹6,500 | ₹40 Lakh | 1 – 6 years |
| State Bank of India | 11.15% – 14.30% p.a. | Up to 1.5% | ₹35 Lakh (Xpress Credit) | 1 – 6 years |
| ICICI Bank | 10.85% – 16.65% p.a. | Up to 2% | ₹50 Lakh | 1 – 6 years |
| Axis Bank | 10.99% – 22% p.a. | Up to 2% | ₹40 Lakh | 1 – 7 years |
| Kotak Mahindra Bank | 10.99% – 24% p.a. | Up to 3% | ₹40 Lakh | 1 – 6 years |
| Punjab National Bank | 11.40% – 16.80% p.a. | Up to 1% | ₹20 Lakh | 1 – 6 years |
| Bank of Baroda | 11.05% – 18.75% p.a. | Up to 2% | ₹20 Lakh | 1 – 7 years |
| IDFC FIRST Bank | 10.75% – 25% p.a. | Up to 2% | ₹1 Cr | 1 – 5 years |
| Tata Capital | 11.50% – 26% p.a. | Up to 3% | ₹35 Lakh | 1 – 6 years |
| Bajaj Finserv | 11% – 32% p.a. | Up to 3.93% | ₹55 Lakh | 1 – 8 years |
Eligibility
- Age
- 21 – 60 years
- Employment
- Salaried or self-employed
- Minimum income
- ₹20,000 / month (metro)
- Credit score
- 650+ (700+ for best rates)
Documents
- PAN card and Aadhaar card
- Last 3 months' salary slips
- Last 3–6 months' bank statements
- Passport-size photograph
Rates & charges
- Interest rate
- 10.49% – 24% p.a.
- Processing fee
- 1% – 3% of loan amount
- Foreclosure charges
- 0% – 4% (lender-specific)
Indicative ranges across partner lenders; your offer depends on profile and lender policy.
Personal Loan FAQs
What credit score do I need for a personal loan?
Most lenders approve from 650 upward, but 700+ unlocks meaningfully lower rates. If your score is below that, we can suggest lenders who weigh income and employer strength more heavily.
How fast can the money reach my account?
For pre-approved and digitally verified profiles, disbursal can happen the same day. A typical case with clean documents completes in 24–72 hours.
Will checking offers on QCred hurt my credit score?
No. Our initial matching uses a soft check that doesn't affect your score. A hard inquiry happens only when you actually apply to a lender.
Get your personal loan moving today
Apply in two minutes or talk to an advisor first — either way, it costs you nothing.