7.5.0 Safe to install
IndiaLends is an online marketplace that offers credit products, including personal loans and credit cards, from various Banks and NBFCs. They also provide technology and data solutions to financial institutions. The platform is backed by a team of experienced credit risk professionals and data scientists.
Product features:
- Personal loan: IndiaLends offers personalized personal loan offers up to ₹25 lacs with interest rates starting at 10.25% for a tenure ranging from 1 to 5 years. They have partnerships with over 50 banks and NBFCs, ensuring minimal interest rates and easy approval for eligible customers.
- Personal Loan Eligibility: To be eligible for a personal loan, customers must be between 18 and 60 years old, employed (salaried or self-employed), have a minimum net income of ₹10,000 per month, and have a work experience of at least 6/12 months for salaried individuals or 3 years for self-employed individuals. The tenure for personal loans ranges from 6 to 60 months, with an Annual Percentage Rate between 10.25% and 25% based on the customer's credit and risk profile.
Representative Example:
With a representative 25% APR, if you borrow ₹5 lacs and repay it over 60 months with monthly repayments, the monthly installment will be ₹14,676. The total payout for this loan would be:
- Principal Amount: ₹5,00,000
- Interest Charges (@25%): ₹3,80,540
- Loan processing Fee (@2%): ₹10,000
- Documentation Charges: ₹400
- Amortization Schedule charges: ₹150
- Total cost of the loan: ₹8,91,090
Our Lending Partners:
- Axis Bank Limited
- InCred Financial Services Limited
- KrazyBee Services Private Limited
- Earlysalary Services Pvt Ltd
- L&T FINANCE LIMITED
- India Infoline Finance Limited
*Please note that the processing fee can vary from 1.5% - 6%. The figures provided are indicative and subject to change.
Credit Card: The IndiaLends app provides credit card suggestions from over 40 options. They have partnerships with ICICI Bank, HDFC Bank, American Express, SBI, Kotak Mahindra Bank, Citibank, RBL, and Yes Bank.
Free Credit Score / Cibil Score: With the IndiaLends app, users can check their free Credit Score / Cibil Score worth ₹1200. They also receive a detailed analysis of their credit report / Cibil Report and tips to improve their score. The app allows users to refresh their credit report and understand why their credit score has changed.
EMI Calculator: IndiaLends offers a simple and handy loan EMI calculator. Users can enter the loan amount, interest rate, and loan tenure to calculate the convenient EMI amount.
Overview
Instant Approval Personal Loan is a Freeware software in the category Business developed by Indialends.
The latest version of Instant Approval Personal Loan is 7.5.0, released on 07/22/2025. It was initially added to our database on 10/26/2023.
Instant Approval Personal Loan runs on the following operating systems: Android.
Instant Approval Personal Loan has not been rated by our users yet.
FAQ
What is an Instant Approval Personal Loan?
An Instant Approval Personal Loan is a type of loan that provides quick approval and disbursement, allowing borrowers to access funds promptly for personal expenses.
What are the eligibility criteria for the Instant Approval Personal Loan by Indialends?
Eligibility criteria typically include age (usually 21-60 years), a stable source of income, a good credit score, and residency in India.
How quickly can I get approval for the loan?
Approval can often be received within minutes through the online application process.
What documents are required to apply for the loan?
Documents often required include proof of identity, proof of income, bank statements, and employment proof.
Is there a maximum or minimum loan amount that can be approved?
Indialends generally offers a wide range of loan amounts, typically from ₹50,000 to ₹5,000,000, depending on eligibility.
What is the typical repayment tenure for this loan?
The repayment tenure usually ranges from 1 year to 5 years.
Are there any processing fees for the loan application?
Yes, there may be a processing fee which varies by lender; it's important to check the specifics with Indialends.
Can I prepay or foreclose my loan? Are there any charges?
Yes, most loans allow prepayment or foreclosure; however, there may be associated charges which should be verified during approval.
How is the interest rate determined for my personal loan?
Interest rates are typically based on factors such as borrower’s credit score, loan amount, tenure, and market conditions.
How do I apply for the Instant Approval Personal Loan?
You can apply through Indialends' official website or their mobile app by filling in the necessary details and uploading required documents.
Screenshots (Click to view larger)
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