What is the minimum CIBIL score required for a personal loan?

A minimum CIBIL score of 720 is recommended for a personal loan. However, we work with lenders who may consider scores from 680+ in special cases.

Can I get a personal loan without salary slips?

Yes. Self-employed individuals can apply using ITR (Income Tax Returns) and bank statements to prove income eligibility.

How quickly will the personal loan amount be disbursed?

Many of our lenders disburse personal loans within 24–48 hours of document verification. In urgent cases, same-day disbursal is also possible.

Is there any prepayment penalty on personal loans?

Prepayment charges vary by lender — typically 2–4% of the outstanding amount. Many lenders allow part-prepayment after 12 EMIs at no extra cost.

Personal Loan Online in India — Instant Approval

Your Financial Freedom, Instantly

Life doesn't wait — and neither do we. Whether it's a medical emergency, dream vacation, wedding, or home renovation, P.K Finance delivers personal loans with zero collateral, instant approval, and same-day disbursal in many cases.

Loan Highlights

Loan Amount

₹50,000 to ₹15 Lakhs

Interest Rate

From 10.5% p.a.

Tenure

12 to 60 months

Collateral

Fully Unsecured

Disbursal

Same day to 48 hours

End Use

Any personal purpose

Eligibility Criteria

Indian citizen aged 21–60 years
Salaried employees with minimum 1 year at current employer
Minimum monthly salary ₹20,000 (Tier-1 city) / ₹15,000 (others)
Self-employed with 2+ years business income proof
Good credit history — CIBIL score 720 or above

Purpose of Use

Medical Emergency

Wedding Expenses

Travel & Vacation

Education Fees

Home Renovation

Debt Consolidation

Apply Instantly

Apply Now +91 8577080048

Documents Required

Aadhaar & PAN Card
Last 3 salary slips
Last 6 months bank statement
Form 16 (latest year)

Personal Loan