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You may need money for a planned expense or may urgently need cash for something that arises out of the blue. In either case, you don’t have to spend a couple of hours planning your next step. A personal loan is the simplest solution as you can avail of it easily and in just a few minutes. Before you apply, all you need to know is the loan amount you will need and the preferred tenor. With this information, you can find lenders. Many have lenient criteria so that you can qualify without any issues and in just a few minutes.

Meet simple terms and avoid risking an asset

Personal loans are unsecured offerings – this means you can qualify for one without pledging your assets. As such, you only need to have a suitable profile to get approval. Moreover, top lenders have simple requirements that mainly assess five main categories, which are:

- Age

- Annual income

- Citizenship

- CIBIL score

- Employment type

As an unsecured instrument, Bajaj Finserv Personal Loans are much easier to avail and quicker too! You also get to enjoy hassle-free loan processing as lenders don’t have to evaluate and verify assets. This is a key benefit, as you may not have the time to do the legwork required to secure loan approval.

Get a large sanction and tick off your wish list

Expenses come in all shapes and sizes, and you need the freedom to spend as you’d like. A personal loan caters to this as it doesn’t have any restrictions on usage. You can use the sanction to renovate your home, buy new appliances, purchase gifts for family, host a wedding, or book travel tickets. Besides leisure spending, this loan can also help you tackle big-ticket financial obligations too. You can use it to consolidate debt or handle medical or business expenses. A personal loan offers unlimited freedom, and you can address almost any expense on your wish list without restrictions.

Avail of same-day disbursal and meet urgent expenses with ease

In case of any emergency expenses, you can opt for a personal loan and rely on it in your time of need. Top lenders now have fully digital provisions, through which you can get funds almost instantly. In fact, in certain cases, you enjoy the benefit of instant approval and have the full sanction disbursed to you within 24 hours. This is a useful feature to look for in a personal loan as it guarantees funds if you’re ever in a pinch.

Spend as per your budget and repay comfortably

The pressure of the debt obligation brought on by availing of a personal loan is a common concern. However, new-age lenders address this problem by offering a flexible tenor. This means you can opt to repay comfortably, based on your capabilities, without having to worry about an overly expensive monthly instalment. In many cases, you can opt for a repayment plan that lasts up to five years. This allows you to calculate personal loan EMI options that not only suit your budget but also help you save on interest.

For true flexibility and convenience, opt for the Bajaj Finserv Personal Loan. Here you can get a sanction of up to Rs. 25 lakh and a long repayment tenor of up to 60 months. Bag a low-interest personal loan by meeting the simple eligibility criteria and submit only a few documents. To get started, check your pre-approved offer, and apply online.

*Conditions Apply

Disclaimer: This content is distributed by Bajaj Finserv. No HT journalist is involved in creation of this content.

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