Personal Loan
Quick, unsecured financing for individual and family needs — medical expenses, education, weddings, or any personal requirement — without pledging any asset.
For individuals with stable income needing quick, unsecured funds
If you have a defined personal need and a steady income — salaried or self-employed — a personal loan offers a straightforward path to funds without the documentation depth of a secured loan.
Do you qualify?
- Stable income (salaried or self-employed)
- Minimum age and income threshold as per lender policy
- Reasonable credit history
- Existing banking relationship preferred but not mandatory
What you'll need to send
Send these directly on WhatsApp — one by one or all together. We'll let you know what's verified and what's still pending as you go.
- Aadhaar & PAN card
- Income proof (salary slips or ITR for self-employed)
- Bank statements (last 3–6 months)
- Photograph and basic KYC
Why apply for this through Ikaya
No collateral required
Personal loans are unsecured — no property or asset needs to be pledged.
Fast processing
Simpler documentation typically means quicker decisions than secured loan products.
Flexible end-use
Funds can be used for any personal purpose without restriction.
Common questions
How quickly can I get a personal loan?
Once documents are verified, the bank's decision timeline applies — but our process removes delays before your file even reaches them.
Does my credit score affect the interest rate?
Yes, your credit score and overall profile significantly influence the interest rate offered by the lender.
Ready to check what you're eligible for?
Send your details on WhatsApp — get an estimate in minutes.
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