Personal Loans in Ghaziabad

  • Bajaj Finance
  • ICICI Bank
  • TATA Capital
  • INDUSIND Bank
  • FULLERTON
  • Shriram City Union
5.0 / 5 (5 Reviews)

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Why apply through CreditMantri

Quick and easy approval for Personal Loans in Ghaziabad CreditMantri matches your credit and demographic profile to lender's Personal Loan lending criteria - others just match your demographic criteria. We shortlist lenders willing to lend to you Personal Loans in Ghaziabad, based on our proprietary matching algorithm.

In effect, we pre-screen your application to make sure you are likely to qualify as per the lender’s credit criteria. We upfront check whether you qualify for Personal Loan in Ghaziabad Hence the chances of your Personal Loan application getting approved is higher. We even try our best to help people with low CIBIL Score, get a Personal Loan in Ghaziabad.

max tenure

5 yrs

processing fee

0.5%*

best rate

12.99%*

  • Maximum loan - 20 lakhs
  • Attractive Interest Rates
  • Quick and easy approval process
  • Balance transfer on existing personal loan
  • Interest rate - 12.99% to 23%
  • Processing fee - 0.50% to 2.50% of loan amount
  • KYC – ID proof, DOB Proof, Signature proof & Address proof
  • Bank Statements
  • Residence stability proof
  • Employment stability proof
  • Latest 3 month salary slips / Form-16 / Appointment letter

max tenure

5 yrs

processing fee

2.25%

best rate

14.75%

  • Maximum loan - 25 lakhs
  • 5-minute online personal loan approval and cash in bank in 72 hours
  • Interest rate - 12% to 15%
  • Processing fee - 2.25% to 3% of loan amount
  • Per bounced cheque - 1000/- and 2% penal interest per month
  • Secure fee - 999/- for instant approval online
  • Online application, Employee ID card
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport, Driver's license, Ration card, Mobile bill, Letter from employer
  • Signature proof (any one) - Passport, PAN, Driver's license, Photo credit card, Letter from bank verifying signature
  • Work experience documents - Appointment letter, Form 16, 1 yr old salary slip, same for previous employment

max tenure

5 yrs*

processing fee

999₹*

best rate

11.49%*

  • Maximum loan - 20 lakhs (salaried)
  • Maximum loan - 30 lakhs (self employed)
  • Fixed interest rate
  • Direct credit of the loan amount through Fund Transfer (FT)
  • Simple repayment options such as ECS, AD or PDC
  • Interest rate - 13% to 18%
  • Processing fee - Up to 2.5% of loan amount
  • Application form with 2 photographs , Processing fee cheque
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID
  • Address proof (any one) - Passport,Utility bill, Lease agreement
  • Salaried - Salary slip for 3 months, bank statement with salary credit
  • Self employed - Office address proof, audited financials for last 2 yrs and latest 6 months balance sheet

max tenure

5 yrs*

processing fee

1500₹*

best rate

13.99%*

  • Maximum loan - 15 lakhs
  • Flexi EMIs with Higher Loan Eligibility
  • Minimum Documentation and Verification
  • Quick processing
  • Security or Guarantors not Required
  • Interest rate - 14.5% to 18%
  • Processing fee - 1% to 2% of loan amount
  • ID proof (any one) - PAN,Passport,Driver's license, Voter ID, Aadhar
  • Address proof (any one) - Passport, Driver's license, Voter ID, Ration card, Electricity bill, Rent agreement
  • Residence stability proof
  • Employment stability proof
  • Latest 3 month salary slips / Form-16 / Appointment letter

max tenure

4 yrs

processing fee

2%

best rate

17.25% *

  • Personal Loan up to 20 lacs.
  • Easy Repayment over 12 to 48 months.
  • Quick and easy approval process
  • Balance transfer of an existing Personal loan
  • Interest Rate: 17.25% onwards
  • Processing Fee: 2% onwards
  • Application form with a recent photograph
  • ID Proof - Passport Copy/ Voter ID card/ Driving License/ PAN Card
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License
  • Age proof - PAN Card, Passport, any other certificate from a statutory authority
  • Bank Statements (Bank statement / Bank Passbook for last 6 months) OR Last 3 months’ salary slip
  • Form 16
  • Income Tax Returns for last 3 years
  • Processing fee cheque
  • Previous 2 years’ experience letter without any gap (if current work experience < 1 year)

max tenure

3 years

processing fee

2000₹

best rate

28% p.a

  • Faster loan disbursal process
  • Simplified documentation process
  • Repayment through Equated Monthly Instalments
  • Interest rate - 28%
  • Processing fee - 2000₹
  • ID Proof(any one)- Aadhaar card/Pan card/Driving License/Passport/Voter ID
  • Address Proof(any one)-Aadhaar card/Driving License/Passport/Voter Id
  • Post-dated cheque (For 6/12 Months)

Personal Loan in Ghaziabad

Do you live in Ghaziabad? Are you looking for a personal loan in Ghaziabad and wondering what your options are? Read on!

Personal Loans in Ghaziabad

What is a personal loan?

A personal loan as the name suggests, is a loan taken out by an individual to meet his/her immediate personal expenses. It is usually an unsecured loan meaning you need not pledge any asset as collateral in order to take out the loan.

The main advantage of a personal loan is that its end use not restricted. You can use the loan amount for any purpose as long as it is legal.

Key features of a Personal Loan in Ghaziabad:

  • Easy documentation
  • Spot Approvals
  • Door-to-door service with leading banks and NBFCs
  • Quick Processing and disbursals
  • Tenor up to 5 years
  • Interest Rate starting at 12% p.a.
  • Over-the-Counter loans under certain conditions with certain banks
  • Facility to apply online with most of the lenders
  • Special offers for existing customers
  • Loan amount starting from a few thousands to many lakhs.

Disadvantages of a personal loan:

Personal loans are one of the costliest loans in the market with relatively high interest rates. The interest on a personal loan could go up to as high as 32% p.a. or even more, depending on your credit situation. It is advisable to first pull out your credit report and check your credit score before applying for a personal loan. If your credit score is low, work on it to increase it to 700 or above. This will help you avoid loan rejection and will help you get the loan on more favourable terms.

Personal Loans in Ghaziabad--Availability

All major banks and NBFCs offer personal loans in Ghaziabad. Popular banks and NBFC’s that offer personal loans in Ghaziabad include: Corporation Bank, IndusInd Bank, Bank of India, Central Bank of India, SBI, Axis Bank, Canara Bank, Shriram Finance, Bajaj Finance, Mahindra Finance, Fullerton, Aditya Birla Finance, IDBI Bank, HDFC Bank, ICICI Bank, , Citibank, etc.

Personal loans in Ghaziabad for salaried, self-employed and business people are available.

Personal Loan for CIBIL Defaulters in Ghaziabad

If you are a CIBIL defaulter, it can get very difficult to get any new credit as lenders are not confident about your repayment behaviour. You could perhaps approach a lender that offers special loans for defaulters. Do keep in mind that if you are offered a loan under such circumstances, it will generally come with a high interest rate and other strict terms and conditions.

Is it possible to get a personal loan in Ghaziabad with bad credit?

The possibility of getting a personal loan with bad credit depends on the severity of your credit situation. If you are a defaulter, then it can get very difficult to access any kind of credit.

If you have a bad credit score due to your repayment track record, make a commitment to improve by paying your dues on time, consistently. It is always advisable to raise your credit score to a healthy number before applying for a personal loan, so that you avoid the risk of being rejected.

Eligibility for Personal Loan in Ghaziabad

  • Age criteria: The applicant should be between 21 years to 65 years (at the time of maturity of the loan).
  • Salaried, self-employed, and business professionals are eligible to apply. If you are not a regular wage earner, talk to your bank manager about your situation.
  • Minimum salary for salaried people is typically Rs. 15,000 though the salary requirement depends on what tier of city you live in and the company you work for.
  • Should be staying in the same address / city for at least 1 year
  • Total work experience should be at least 2 years
  • Should have a stable employment history.

You can check your eligibility for a personal loan in Ghaziabad online, on the lender’s website.

Documents Required for Personal Loans in Ghaziabad

For salaried / self-employed professionals:

Following are an overview of the documents generally asked while applying for a personal loan in Ghaziabad:

  • Valid Identity Proof - Passport, Driving License, Voter ID Card, Aadhar Card, PAN Card (any one document to be submitted)
  • Valid Address Proof – Lease/Rent Agreement, Passport, Driving License, Ration Card, Utility bill (not more than 3 months old), Bank Statement
  • Income Proof Documents – Last 6 months salary slip and latest Form 16
  • Bank Statements: Past 6 months bank statement with salary credit
  • Continuity of employment proof, like offer letter, relieving letter, etc.

For the self-employed and those into business, the following might be requested for in addition to the above-mentioned documents.

  • Degree Certificate / educational documents for self-employed professionals.
  • Proof of business existence
  • Last 3 years Income Tax returns (self and business)
  • Last 3 years Profit /Loss and Balance Sheet, duly attested by a CA
  • Any other documents as directed by the Bank or NBFC

Personal Loan in Ghaziabad With Low Interest

The interest rate on your personal loan is based on the following factors:

  • Your annual income
  • Existing loan obligations
  • Employment stability, and most importantly,
  • Your credit score and credit history

If you have an excellent track record of making your repayments on time, have a low debt-to-income ratio, draw a good salary and have a clean credit history—you will be offered a personal loan with a low interest rate.

Personal Loan in Ghaziabad FAQS

What are the interest rates offered on a personal loan?

Interest rates for a personal loan depends on a variety of factors and vary from lender to lender. It also depends on the borrower’s individual credit history and the loan amount borrowed.

What is the minimum and maximum loan amount for salaried people?

The loan amount generally varies from a few thousands to lakhs of rupees. Final approval for your loan amount is at the sole discretion of your lender.

Do I have to pledge any collateral in order to secure a personal loan?

No collateral or security is required for obtaining a personal loan in Ghaziabad.

How do I repay the loan?

You can repay the loan amount in convenient EMI (Equated Monthly Instalments).

What is an EMI?

EMI stands for Equated Monthly Installment and is the monthly amount you need to pay your lender towards servicing your personal loan—interest included.

How to apply for Personal loan in Ghaziabad:

There are several ways to apply for a personal loan:

  • You can apply directly online at the bank / NBFC's website;
  • You can go in person to your nearest branch and apply with the required documentation

Need help? Alternatively, if you think you need help with your personal loan application and advice on loan eligibility, then CreditMantri can guide you and match you with the loan offer that best suits your unique credit profile.

Customer Reviews

Ghaziabad Personal Loan
5.0 / 5 (5 Reviews)
  • 5/ 5

"Quick approval CreditMantri helps the customer during the entire loan process. This site is basically for loan or card seekers. They give lot of help during the application process and give all details on how to apply and documents needed, till the time we get a credit card or loan. I had applied for a Bajaj Personal loan. They are taking very less time for completing the entire procedure about loans. Must say that I got it without any hassles. Really quick disbursal of my loan amount which was 5 lakhs, with very minimal documents required. I had an issue with my credit rating, which thankfully did not affect my application. Thank you CreditMantri. "

  • 5/ 5

"Fully satisfied Got to know about CreditMantri from Facebook! Happiest discovery I made. I was looking for personal loan offers, and obviously I want the low interest rate. I have got the maximum support from CreditMantri and I am happy with that. Through them, got an ICICI personal loan. They provided me with a host of offers. I honestly can’t point out any negatives in their service, as my experience has been smooth till now. No complaints, fully satisfied."

  • 5/ 5

"Helpful service CreditMantri helps with the customer application to the concerned bank or NBFC, and also provide credit improvement services. Till date, I am not facing any kind of drawbacks while using their services. Got my application processed within a short while and the loan amount in my bank account speedily. I got to know about this website from my friend who also uses its services. The website is very convenient for accessing and getting details about all the loans and offers from different lenders, all in one place. "

  • 5/ 5

"Best place for comparing loan offers I came across CreditMantri during my search for a personal loan. This website provided me all the info I wanted. It is easy to search for loan offer on their CreditMantri than in any other. I would say that the level of service offered by CreditMantri is the best. Got a very good interest rate on a personal loan from IndusInd. For me, they took around two weeks to process and to put the money in my bank account. I had some issues with my documents, but CreditMantri helped me to clear it no time. Keep up the good work!"

  • 5/ 5

"Response plays a significant role when it comes to any business. CreditMantri scores on top in this regard! Service is immediate, and they provide superb guidance. I remember I asked a lot of questions to the customer executive during my first interaction and was perfectly guided on my loan requirement. I am using the site for first time, and I am surprised by their promptness in handling clueless customers. Just a teeny drawback is the Personal loan EMI calculator on their website, which I found to be a bit slow. Apart from this, what more to expect, when you get a personal loan at an excellent interest rate? Bliss."