Personal Loan: Apply Online with FundsForSure
A personal loan is an unsecured loan you can use for medical bills, a wedding, travel, home repairs or paying off costlier debt. You don't pledge any property or gold; lenders decide based on your income, credit score and job or business history. FundsForSure checks your application, tells you exactly which documents you need, and sends your file to partner banks and NBFCs. We don't charge borrowers.
Who can apply
Salaried employees, self-employed professionals, business owners and pensioners can all apply. Lenders typically look for:
- Age 20 to 58 years
- Income of ₹20,000 or more a month if salaried (some lenders ask for ₹25,000–₹30,000)
- Credit (CIBIL) score of 700 or above
- Stability: 3–6 months in your current job, or a business running for 2–3 years
See the full criteria and estimate your loan amount on the personal loan eligibility page.
Documents you'll need
| You are | Main documents |
|---|---|
| Salaried | PAN and Aadhaar, last 3 months' bank statements, last 3 months' salary slips, latest Form 16 or ITR |
| Self-employed or business owner | PAN and Aadhaar, last 6 months' bank statements, latest ITR, office address proof, business or professional registration |
| Pensioner | PAN and Aadhaar, last 3 months' bank statements, pension slips and PPO |
The complete list for every profile is on documents required for a personal loan.
How to apply with FundsForSure
- Fill in the form (about 2 minutes) and verify your mobile number with a one-time password.
- Get your document list: we check your application and email you the exact documents for your profile.
- Upload your documents on your dashboard as PDF, JPG or PNG. The upload page tells you straight away if a file is locked or unreadable.
- We send your application to lenders. You get an email at every step and can track progress on your dashboard.
What decides your rate and amount
- Credit score: a higher score usually means a lower rate and a higher amount.
- Income and existing EMIs: lenders usually want all your EMIs together to stay within about half of your take-home pay.
- Job or business stability: longer, steadier employment or business history helps.
- Tenure: a longer tenure lowers the EMI but increases the total interest. For example, ₹3 lakh at 12% a year over 3 years costs ₹9,964 a month (EMI calculator).
Frequently asked questions
Does FundsForSure charge for a personal loan application?
No. FundsForSure does not charge borrowers. Lenders set their own interest rate and processing fee, which they show in their offer before you accept.
Can I get a personal loan with a low CIBIL score?
It is harder. Lenders typically look for a score of 700 or above. With a lower score, some lenders may still offer a loan, usually for a smaller amount or at a higher rate. Paying existing EMIs and cards on time for a few months improves your score.
Can I get a personal loan without salary slips?
Some lenders accept a salary certificate instead. FundsForSure asks salaried applicants for their last 3 months of salary slips, with no substitute, so that your application is accepted by every lender we send it to.
Is a personal loan secured?
No. A personal loan is unsecured: you do not pledge property, gold or other assets. That is why lenders look closely at your income, credit score and job or business stability.
How do I track my application?
Log in at fundsforsure.com/dashboard with your mobile number and a one-time password. You also get an email whenever your application status changes.