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Your Privacy Matters: Disclosures & Disclaimer: Loan tenure may range from 6 months to 60 months, with annual interest rates starting from 10% up to 34%, depending on the applicant’s profile and the respective bank/NBFC policies. A processing fee of up to 2% may be charged by the lender. For example, if a loan of ₹1,00,000 is availed at an interest rate of 12.5% per annum for 12 months with a 2% processing fee, the interest payable would be approximately ₹6,720, the processing fee ₹2,000, the total loan cost approximately ₹1,08,720, and the APR approximately 14.27%. These figures are illustrative and indicative only. The final loan amount, interest rate, tenure, fees, approval, and disbursal are determined solely by the respective bank or NBFC after document verification and credit assessment. finzsmart is a loan facilitation and documentation support service and is not a bank or NBFC. We do not provide or guarantee loans, and loan approval is at the sole discretion of the lender. A service fee of ₹299 + GST is charged for eligibility assessment, document management, and secure portal access; this fee is not a loan approval or processing fee. Terms & Conditions and Refund Policy apply. Registered Address: 82, RadheShyam Industries, Siwan Main road, Surat-394130.
Dear Applicant, do keep the digital copy of Aadhar Card, Pan Card and Bank Statement handy to avail full benefits of your online Personal Loan application. You would be required to upload these documents later for completing your loan application. (* only .jpg, .jpeg, .pdf formats allowed)
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Why Choose Us?
Lowest Interest Rates
Starting from 10.49% p.a. - Most competitive rates in the market for all credit profiles
Instant Approval
Get approved in just 2 minutes with our AI-powered instant decision system
Flexible Repayment
Choose from 12 to 60 months tenure with easy EMI options that fit your budget perfectly
100% Transparent
No hidden charges - What you see is what you pay. Complete transparency guaranteed
Frequently Asked Questions
Approval, and disbursal are determined solely by the respective bank or NBFC after document verification and credit assessment. It may take 1-2 days or even more depends on NBFCs
We work with all credit scores. While a higher credit score may qualify you for better rates, we have options for fair and poor credit as well.
Service fee of ₹299 + GST is charged for eligibility assessment, document management, and secure portal access; this fee is not a loan approval or processing fee.
Loan amounts range from ₹10,000 to ₹10,00,000, depending on your income, credit profile, and other factors.
Yes, we use bank-grade 256-bit SSL encryption to protect your personal and financial information. Your data is never shared without your consent.