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Get personal loans at banks and NBFCs in Patna with complete flexibility of end-use. Exclusive short-term loans with flexible tenures ranging from 12-60 months. Special rates and discounts for existing customers. Check deals now on CreditMantri!
Max Tenure
24 to 48 Months.
Best Rate
11% P.A
Processing Fee
2.25%
Features
Pricing
Documents Required
Your application will be subjected to Bureau Enquiry.
Max Tenure
6 - 36 Months.
Best Rate
14.04% P.A
Processing Fee
4%
Features
Pricing
Documents Required
Max Tenure
2 yrs
Best Rate
18%
Processing Fee
3-4%
Features
Pricing
Documents Required
Max Tenure
12-72 Months.
Best Rate
12% P.A.
Processing Fee
1.0%
Features
Pricing
Documents Required
Max Tenure
12 - 60 Months.
Best Rate
12.96% P.A
Processing Fee
2.5%
Features
Pricing
Documents Required
Max Tenure
3 - 60 Months
Best Rate
16% P.A.
Processing Fee
2% - 5%
Features
Pricing
Documents Required
Max Tenure
12-72Months
Best Rate
11.04% P.A.
Processing Fee
3%
Features
Pricing
Documents Required
Loan Amount
1_5L
Max Tenure
36 Months.
Best Rate
Nil*
Processing Fee
Nil*
Features
Pricing
Documents Required
Max Tenure
12 - 72 Months.
Best Rate
11.04% P.A.
Processing Fee
2.50%
Features
Pricing
Documents Required
Max Tenure
2 - 60 months
Best Rate
15.96% P.A.
Processing Fee
2%
Features
Pricing
Documents Required
Max Tenure
12 - 60 Months.
Best Rate
12.96% P.A.
Processing Fee
1%
Features
Pricing
Documents Required
Do you live in Patna? Are you looking for a personal loan in Patna and wondering what your options are? Read on!
What is a personal loan?
A personal loan is generally an unsecured loan—meaning you do not need to offer any collateral or guarantor to avail it. The loan amount can be used for any legitimate purpose making this a flexible, all-purpose loan. Personal loans come with a high interest rate, since it is an unsecured loan. The lender usually charges you a high interest rate to safeguard their money against potential default.
A personal loan is a short-term loan which you can secure easily if you have a good credit score. Some banks offer over-the-counter loans, which could come handy if you are in the middle of a financial crisis, say a medical emergency.
A Personal loan is one of the costliest loans in the market, since its interest rates could range anywhere from 11% to as high as 32% or even more depending on your credit history and other factors.
Key features of a Personal Loan:
All major banks offer personal loans in Patna. Popular banks and NBFCs that offer personal loans in Patna include: SBI, State Bank of India, Indian Bank, Standard Chartered Bank, Axis Bank, ICICI Bank, Citibank, Yes Bank, HDFC Bank, Canara Bank, Punjab National Bank, Corporation Bank, Bank of India, Fullerton, Shriram Finance, Bajaj Finance, etc.
Personal loans in Patna for salaried, self-employed, business people and NRIs are available.
Often, people neglect to keep a good credit score without knowing its repercussions. The full impact of not having a good credit score is only realized when they apply for a loan and get rejected everywhere or are offered unfavorable conditions like a high interest rate. It is possible to get a personal loan in Patna with bad credit depending on the severity of your credit situation, and the relationship you share with your lender. The lender might look at other factors that will impact your repayment capacity, like your current income and employment stability. Keep in mind however, that you might have to pay a high interest rate because of your bad credit history.
You can check your eligibility for a personal loan in Patna online, on the lender’s website.
For salaried / self-employed professionals:
Following are an overview of the documents generally asked while applying for a personal loan in Patna:
For the self-employed and those into business, the following might be requested for in addition to the above-mentioned documents.
Lenders usually offer a low interest rate to those who have an excellent credit history and a good credit score. Pull out your credit records and see if your credit score needs improvement to be eligible for the lowest interest rates.
1. I have a credit score of 603. Will I be approved for a personal loan?
You might be approved for a personal loan even though it is not a high score. The lender might look at other factors that will impact your repayment capacity, like your income. However, it is advisable to improve your score to 750 to avail the lowest interest rates.
2. When should I opt for a personal loan?
If you are in an urgent need for money, and have a good plan on repaying it, then availing a personal loan is a good choice. The loan amount is disbursed as soon as you are found to be creditworthy, making it an ideal choice for emergencies.
3. I need urgent funds. How long will it take for my loan to be sanctioned?
The time taken to disburse personal loans varies from lender to lender. It could generally take anywhere from 24 hours to 7 working days or even more, depending on the lender.
4. What is the minimum and maximum loan amount for salaried people?
The loan amount generally varies from a few thousands to lakhs of rupees. The amount could be restricted depending on your income and other existing loan obligations.
5. Do I have to pledge any collateral to secure a personal loan?
No collateral or security is required for obtaining a personal loan in Patna.
There are several ways to apply for a personal loan:
Need help? Alternatively, if you think you need help with your personal loan application and advice on loan eligibility, then CreditMantri can guide you through the entire process and match you with the loan offer that best suits your unique credit profile.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application