Fast Approval

The fastest time to approval in the market, 4 simple steps, that's it!

1Fill Out The Form To Start The Loaning Procedure

Fill out the Get Quote form and we'll get back to you with our loan calculation procedure or simply call us at +81 720 2212 to find out more details and let us know if you need a loan.

After we've collected all the necessary data from you by phone and email for some documents, we send the loan request to our analysis department which usually answers in no more than 3 days.

In most of the cases, if you don't have any bad credit history the loan will be 100% approved. Sometimes we ask for additional documents but it's a very rare situation when this happens.

After a positive answer to your request analysis it usually takes no longer than 1 business day until you have the requested amount in your bank account. All this without going to a physical bank office.

Personal Loans at 9.99% - Avail Now

Get instant personal loans starting at a 9.99% interest rate. Apply Now.


LoansJagat Makes it Easy.

  • Step 1: Fill Basic Customised Requirements
  • Step 2: Choose the Best Offer from Leading Financial Institutions
  • Step 3: Apply with Dedicated Help with Nil Service Fees

Are you looking for a personal loan with a low-interest rate?
A Personal loan helps us to meet financial challenges that need immediate attention. A personal loan can help us manage a medical emergency, wedding expenses, home repair, education expenses or an urgent purchase. A personal loan is an unsecured loan where lenders do not put restrictions on the usage of the loan amount.
A personal loan also helps build a good credit profile, as timely repayment of these loans boosts the credit ratings.

How Personal Loan Helps?
A personal loan carries many advantages like:

  1. Unsecured

A personal loan is sanctioned based upon the borrower's creditworthiness evaluated using income and working profile. Unlike many other loans, there is no requirement for collateral or a guarantee. The credit bureau and technology solutions have made personal loans a boon. 

  1. Instant Approval

Traditionally a loan application took weeks or even months. However, with the advancement of technology, LoansJagat offers instant personal loans from the leading financial institutions on its platform. The process is transparent and applicants can apply and tracktheir loan application in real-time via Whatsapp, email and support Calls.

  1. No Restriction on Usage

A personal loan gives freedom to borrowers on the usage of the amount. Unlike a home loan, the borrower gets the amount credited to their bank account to use the money as per their requirement. A personal loan amount can help in medical emergency, wedding, education, house repair or any other usage as per the requirement.

  1. Effortless Documentation

Pursuing a personal loan is a breeze. LoansJagat enables complete online processing of a personal loan. Applicants can fill out a simple application form on the portal, check the loan offers from leading lenders, compare and choose the best offer. LoansJagat also provides a dedicated relationship manager to help with any queries regarding the personal loan application during and even after the loan processing for smooth customer experience.

How to Check Loan Eligibility?
Leading financial institutions have laid down parameters for evaluating creditworthiness and loan eligibility and LoansJagat’s AI algorithms checks for all customised eligibility in real time for all these financial institutions for easy comparison . However,the exact parameters are proprietary, yet there are some basic guidelines that most financial institutions follow when they provide personal loans to salaried or sometimes to self-employed individuals.


22-58 years

Employment Type

1. Salaried
2. Self-Employed professionals

Credit score

700 or above with a good credit history

Minimum Net Income (Monthly)

  • ₹18,000(non-metro cities)
  • ₹22,000( metro cities)

Loan Amount

Up to ₹75 lacs depending on the credit profile

Work Experience


  • Employed at current company for at least 3 months
  • Total Work experience of atleast 1 year


  • Business tenure of at least 3 years (continuous)
  • ITR of last 3 years

What are the Documents for a Personal Loan?


Interest Ra

Loan Amount

Processing Fees

Part Payment

Pre-closure Charges

Locking Period


IDFC First

10.49 % to 19%

1 Lakhs to 40 Lakhs

Up to 2.0% of the loan amount

Up to 40% of loan amount every year

4% on your principal outstanding + GST

6 Month

12 to 60 months


10.25%- 17.75%

50k to 50Lakhs

Up to 1.5% of the loan amount subject to a minimum of ₹1,999/-

Up to 25% of Principal Outstanding allowed

13-24 Months - 4% of Principal Outstanding

25-36 Months - 3% of Principal Outstanding

>36 Months - 2% of Principal Outstanding

>48 months - 0%

12 Months

12 to 72 months


10.50% - 17.25%

50k to 50 Lakhs

Up to 1.5% of loan amount plus GST

Not available

5% per annum of principal outstanding plus GST

6 months

12 to 72 Months

Bajaj Finserv

12.49% -15.30%

1 Lakh to 25 Lakhs

Up to 2.0% of the loan amount

Normal Loan - Should be more than 1 EMI (2% + applicable taxes on part-payment amount paid)
Flexi Loan - Unlimited part payment Allowed (Min. Rs. 100 ) without any charges

4% plus applicable taxes on Loan amount

1 month

12 to 60 Months

Kotak Bank

10.5% -17.99%

1Lakh to 30Lakhs

Up to 2.5% of the loan amount + GST and other applicable statutory levies


5% of the outstanding amount + GST on principal outstanding

12 months

12 to 60 Months

TATA Capital


75K- 25 Lakhs

From ₹999/- Up to 3.00% of the loan amount and applicable Service Tax

Part-payment up to 25% of the principal outstanding (No part-payment charges) More than 25% of the principal outstanding (2.50% part-payment charges on the part-payment exceeding 25% of principal outstanding)

*Maximum of 50% of the principal outstanding permissible

>6 months - 3.5% of principal outstanding

For Loan amount >=7Lacs - NIL Preclosure

BT - 5% of the principal outstanding

6 Months

12 to 72 Months

IndusInd Bank

10.99% -19.0%

1Lakh to 25Lakhs

Up to 2.00% of the loan amount plus tax


Salaried: 4% of the principal outstanding after repayment of 12 EMIs.

1 Year

12 to 60 Months


11.99% - 22%

65k to 25Lakhs

Upto 4% of the loan amount plus GST

Within 7 months to 17 months - 7%

Within 18 months to 23 months - 5%

Within 24 months to 35 months - 3%

After 36 months - NIL

6 Months

12 to 60 Months


9.99%- 18.0%

1Lakh to 20Lakhs

1% of the loan amount


4% of Loan Amount outstanding

12 months

12 to 60 Months

Yes Bank

10.4% - 15.99% (BT Special rates - 10.75%)

1Lakh to 35Lakhs

Up to 1.50% of the loan amount subject to a minimum of ₹999/- plus taxes

• 20% Principal Outstanding for 12 – 24 months

• 20% Principle Outstanding for 25 – 36 Months

• 25% Principal Outstanding for 37 – 48 Months

• 25% Principal Outstanding for 49 – 60 Months

1% plus applicable taxes on part payment amount paid

13 – 24 months - 4% of principal outstanding

25 – 36 months - 3% of principal outstanding

37 – 48 months - 2% of principal outstanding

>48 Months - Nil

12 months

12 to 60 Mo

The documents may vary as per the requirements of specific financial institutions. However, some commonly needed documents are:

Documents for Salaried Applicants

  1. Identity Proof
  2. Age Proof
  3. Application form as per the lender
  4. PAN Card
  5. Address Proof
  6. Latest Bank Statement
  7. Latest Salary Slips
  8. Income Tax Returns or Form 16

Documents for Self-Employed Applicants

  1. Identity Proof
  2. Age Proof
  3. Application form as per the lender
  4. PAN Card
  5. Address Proof
  6. Latest Bank Statement
  7. Audited Balance Sheet
  8. Audited P&L Statement
  9. Income Tax Returns with Income Computation


What are various types of Personal Loans Available?

A personal loan covers various financial requirements. A few commonly used personal loan options are as follows:

  1. Home Repair

A personal loan can repair or improve a home. Home repair can become an urgent requirement that can not wait for the next bonus or salary increment. A personal loan gives the freedom to use the funds for home repair needs.

  1. Wedding Expenses

A wedding in a family is an occasion for a lifetime, shortage of funds can cause stress and anxiety. A personal loan can provide funds to meet the wedding expenses or overheads.  

  1. Travel Expenses

Do you need to travel for a family emergency and not have funds? A Personal loan can help with the funds to meet the travel requirements. One can also fulfil a long pending travel need with a planned personal loan for travel.

  1. Business Requirements

Often we have a business idea or prototype and lack the initial funds to start the business. A personal loan for a business can help fulfil the dream of starting a business. One can also use a personal loan to meet the working capital requirement or an urgent business need using a personal loan.  

  1. Balance Transfer

A personal loan can help transfer an existing loan with a high-interest rate to a personal loan at a lower interest rate. A Balance transfer helps to reduce cost.   

  1. Debt Consolidation

Debt consolidation combines multiple personal loans and credit cards outstanding into one consolidated loan. Debt consolidation reduces the overall outgo of money and makes the loans more manageable with Single EMI.

  1. Top-Up Loan

A top-up loan is an additional amount over and above the existing loan amount. A top-up loan depends upon the original loan institution policies.

Why to Apply Personal Loan From LoansJagat vs Applying Directly through Institutions?
LoansJagat makes the entire process of availing of a personal loan easy. Applicant needs to fill out an easy online application to get offers from more than 40 leading Banks and NBFCs. Applicants can compare and choose the best loan for their requirements. They also get complete personal guidance and real-time tracking for their loan application along with attractive offers on their customised deals. Few detailed features are as below:-

  • Dedicated Relationship Officer

LoansJagat offers a dedicated relationship officer for every loan applicant. The loan officer assists applicants throughout the customer journey from application to sanction. Even post disbursal queries can be addressed quickly via LoansJagat with a single whatsapp/call/email.

  • Premier Partnerships

LoansJagat has premier partnerships with top financial institutions like HDFC Bank ,ICICI Bank, Yes Bank , Axis Bank, Bajaj, Fullerton, Tata Capital along with other financial institutions to help you get best updated offer as per your customized requirement for all financial concerns with more than 80% approval rate.

  • Data Security

Applicants get complete assurance on data security as LoansJagat keeps customer data secure with state of the art technology.

  • Compare Offers

Applicants can compare loan offers from leading financial institutions. LoansJagat highlights differences and guides the applicants to choose the right loan for their requirements.

  • Personal Loan Eligibilty Calculator

LoansJagat provides a Personal Loan Eligibility Calculator for applicants to estimate their loan EMI within 2mins basis their financial and credit profile before applying for their loan. This help in safeguarding their Credit score enquiries and guiding in advance about the right time for approving the loan. Hence, Loansjagat offers success rate of above 80% of our applicants basis credit and financial profile screening in advance by our professional expert team.

Simple Loan Application Process

  • Step 1: Fill out a simple online form
    • Applicants can fill out an easy online application form with basic requirement details.
  • Step 2: Compare the Loan Offers
    • Applicants get loan offers from India's leading financial institutions. Applicants get to compare the loan offers as LoansJagat highlights the differences.
  • Step 3: Initiate the Loan Sanction Process
    • Applicants can initiate the loan sanction process by completing the online documentation process. They can track their loan application in real-time.

Frequently Asked Questions

  1. Are personal loans good?

Personal loans can help overcome financial emergencies like a medical emergency, wedding expenses or arranging funds for expenses like home repair. Personal loans are easy to repay with equated monthly instalments.

  1. How to get the best personal loan?

An applicant can get the best personal loan by comparing the loan offers on LoansJagat. The loan offers are as per an individual's credit profile.

  1. How to avail of a personal loan?

One can apply for a personal loan with a financial institution or an application with LoansJagat.

  1. What is the eligibility of a personal loan?

Financial institutions have proprietary criteria for defining personal loan eligibility. As a general practice following parameters is significant:

      1. Applicant should be an adult between the age of 22 and 58 years.
      2. Applicants must have a consistent income source.
      3. A credit score of more than 700
  1. What is the impact of personal loans on credit score?

Personal loans being unsecured have a direct impact on the credit score. A disciplined repayment improves the credit score, whereas a delay in payment can spoil the credit score.

  1. How much time does it take for personal loan processing?

If an applicant goes through all the automated checks, a personal loan gets processed within 24 hours. However, it may take between 3 to 5 days depending upon the documentation requirements.

  1. Is it possible to repay a personal loan earlier?

A borrower can repay their loan earlier. As per the terms of the specific lenders, there may be a pre-payment penalty before 12 months. LoansJagat highlights these terms for making an informed decision and can get offer from banks as per your requirements.

  1. What is the interest rate on personal loans?

The interest rate varies as per an individual's credit profile and the financial institution. A borrower can get a loan from 9.99% to 24%.


Personal Loan Eligibility

Age - 18/21 years - 60/65 years
Employment Type - Salaried / Self-Employed professionals
Credit score - 750 or above with a good credit history
Minimum Net Income (Monthly) - Metros (Rs 25,000) / Non-Metros (Rs 20,000)
Work Profile - Continuation of 6 Months

Here are the documents needed by Salaried Professionals.

An ID proof issued by government like Voter ID Card & PAN Card.
Address proof like Aadhar Card, Passport and Utility Bills.
Latest bank statement of the past three months.
Last three-month salary slips

Here are the documents needed by Self-employed Professionals.

An ID proof issued by government like Voter ID Card & PAN Card.
Address proof like Aadhar Card, Passport and Utility Bills.
Latest bank statement.
Last three years' income tax returns.
Audited balance sheet and profit and loss statements
LoansJagat offers a simple loan application process.
Check eligibility by entering personal details and requirements.
Compare offers from top Banks and NBFCs.
Choose the best offer and apply online.
The loan gets sanctioned. Complete the documentation for disbursal.

Our commissions are the lowest in the market and you can rest assured we're doing our best to keep it that way.

Besides low commissions and transfer fees here are the reasons you should choose Cedo as your loan provider:

  • Impartiality and objectiveness regarding social status
  • Kind staff including sympathetic credit counselors
  • Low interest rates according to regulated legislation

Got Questions? Call Us

Need information about any Personal Loan? Call us!

+91 - 987 388 3888

Types of Personal Loan


Marriage Loan

A personal loan may be used to overcome are the marriage related expenses and make big event a memorable one with the marriage loan.


Medical Loan

We may never know when we need some additional funds for medical emergencies, a personal loan will help us to sail through such emergencies using a medical loan.


Education Loan

Personal Loan can be used to sponsor education for self or someone in the family using the education loan.


Vacation Loan

While it becomes difficult to save for a vacation, a personal loan becomes handy as one can avail a vacation loan and repay later.


Car Loan

One can buy a car using a Car Loan, which is a form of personal loan and plan their lives better both in form of mobility and financially.


Home Improvement Loan

While one can get a Home Loan to buy the house of their dreams, it may become a distant dream to renovate the home, for which one may go for a Home Improvement Loan in form of a Personal Loan and fulfil their home improvement requirements.

Customer Testimonials


Got a personal loan from Cedo and I am very happy with the conditions. I needed a good laptop for school and bought it on credit.

Jude Thorn

Awesome conditions for the personal loan. I managed to buy the iPhone I always wanted with a credit from Cedo. Their staff is very kind.

Roy Smith

I recommend Cedo's personal loan to everyone in need for some quick cash. I got out of a very tight situation thanks to their loans.

Marsha Singer

It's been my life long dream to travel around the world but never had the financial resources to actually do it. Now it's possible!

Lindsay Rune

My car stopped working exactly when I needed it the most so I had to take some desperate measures. Now I've bought a new car.

Ronald Spice

I've been looking for a new house for about 5 years and when I found the right home it was Cedo that supported my decision.

Ann Black

Contact Info

Address: 5/2/8, Geeta Colony, New Delhi - 110031
Phone: +91- 987 388 3888, Email:

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