Why Personal Loan with Us?
All About loan is not just a loan comparison website, but we help you get a loan! We at All About Loan, are a team of experts and ex-bankers who have been serving numerous clients since last 8+ years. We specialise in consulting for Home loans, Mortgage Loans (also known as Loan Against Property) and Personal Loan. There are numerous lenders in market offering loans like Banks, NBFC’s(Non Banking Financial Company) and HFC’s (Housing Finance Company).
When you require a loan it is very essential that your requirement matches the offering or product of the lender. Not every product of a Bank will exactly match your requirement. Above that if your keep applying to the wrong bank your Credit score will go on decreasing also you will have to pay for application fee at every bank you apply. We at All About loan help you get your loan processed at Bank which is best suitable for you.
So Sit back and relax. Fill up the enquiry form to your right. Get the best loan rates from our advisor on a phone call.
- Guaranteed Instant loan advise.
- FREE SERVICE. We do not charge anything from our customers.
- Team of Ex Bankers with experience of more than 8+ years
- Transparent processing
- All process from your Doorstep.
- Documentation Assistance for speedy disbursal
- We help you choose the best offering from Banks.
- Post Disbursal assistance.
Fast & Easy Application Process
Ask for Personal Loan Enquiry Form
Check thoroughly and Fill up the Enquiry form.
Avail a FREE consultation call from Personal Loan consultants
Our top consultants will call you to know your requirements.
See if bank offerings are in favor
Check with Bank for Personal Loan offerings.
Start Documents processing further to file Personal Loan
Documents will be collected from your place to file the loan!
Wait for the bank to approve
We will take care of the rest things to get your Personal Loan approved.
Eligibility Criteria
Income
Your current Income is one of the main factors to decide your loan Eligibility. Be it a Salaried person or Self Employed, your salary slip & your Profit & Loss statement is going to decide your loan amount.
Employment / Business
Work Experience of at least 1 year is required. For Self Employed person business vintage of at least 2 years in required. These norms differ from financier to financier.
Current Obligations
Any EMI currently being paid monthly is going to be taken into consideration and will have to be reduced from your current income.
Credit history
A good credit history always helps to process your loan faster.
Age of the borrower
Minimum age of borrower has to be 21 and maximum can be 70.
Documents Required
For Salaried Person
We at All About loan help you to file your loan application at the best rate of Interest. Please arrange for Hard copies of following Documents. We will collect it from your place/office once ready.
PAN Card, Aadhar card for both applicant and co-applicant
Address proof (Registered Rent agreement, Passport, Electricity bill, Gas connection Bill or any utility bill.)
Last 6 months Salary slips
Last 6 months Bank statement (Salary account)
Form 16 for last 2 years
2 photographs each
If any current obligation Sanction letter/ Statement of Loan will be required
Bank statement account from where EMI is paid will be required
For Self Employed Person
We at All About loan help you to file your loan application at the best rate of Interest. Please arrange for Hard copies of following Documents. We will collect it from your place/office once ready.
PAN Card, Aadhar card for both applicant and co applicant
Address Proof (Registered Rent agreement, Passport, Electricity bill, Gas connection Bill or any utility bill)
Registered Rent agreement, Passport, Electricity bill, Gas connection Bill or any utility bill.
If any current obligation Sanction letter/ Statement of Loan will be required.
Bank statement account from where EMI is paid will be required.
1 year Current account Bank Statement.
3 years ITR with Computation of Income, Profit Loss statement, Balance sheet. If firm is audited, then audit report also required.
| Sole Proprietorship firm | Partnership firm | Private LTD/LLP/OPC |
|---|---|---|
| Shop Act Certificate. OR NOC from Gram panchayat. |
Partnership Deed. Firm Current address proof. |
PAN card of firm. Incorporation Certificate. AOA, MOA. Firm Current address proof. |
Frequently Asked Questions
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Personal Loan is a unsecured loan given to an individual to meet his short term financial. Personal Loan can be taken to meet wedding expenses, medical expenditure, vacation, repair& renovation etc.
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We at All About loan will help you file your application at the right Bank. You can go about applying at every bank because your Credit score will go on decreasing. Also you will have to pay charges for application. We will assist you in filing the application at the right bank.
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The minimum Credit Score or Cibil score that a bank looks at is 600+. Such a requirement usually differs from financier to financier.
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Generally, the tenure given is Personal Loan is 1 to 5 years
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The rate of Interest deffers from Bank to Bank. As of now the Rate of Interest starts from 10.75%
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Any Individual who is Salaried or Self Employed can apply for a Personal Loan.
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Yes there are charges involved for making part/pre payment in Personal Loans.
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Factors that can play a crucial role in home loan rejection are mentioned below:
- Bad or low credit score
- Unstable income-Age factor
- Poor repayment capabilities
Personal Loan Interest Rates for December 2023
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Axis Personal Loan
11.25% - 24%
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Citi Bank Personal Loan
10.99% - 18.99%
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HDFC Personal Loan
11.25% - 21.5%
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ICICI Personal Loan
11.25% - 22%
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IDFC First Personal Loan
11.50% - 21.5%
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IndusInd Personal Loan
11.00% - 30.00%
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Kotak Mahindra Personal Loan
10.50% - 24%
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PNB Personal Loan
12.00%
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Tata Capital Personal Loan
11.75% - 19%
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SBI Personal Loan
12.50%
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Customer Review
"I approached them for a LAP BT in February 2019. They provided me excellent service. All documents were collected from my Shop and they were very transparent in their approach"
Sudhir Oswal
"All about loan helped me switch loan from Yes bank to Citibank. My loan was running at high rate of Interest. They helped me save a lot on money by switching to low ROI"
Suresh Khatri
"I wanted a Personal loan urgently and did not know which bank to approach. Applied via All About Loan, and loan was disbursement in 4 working days. Very happy with their service"
Sateesh Shrivastava
"Wanted a Home loan for resale property i finalised. All About loan helped me in getting me maximum funding for it"
Riya Garde
