• Loan features
  • How to apply
  • EMI calculator
  • Fees and charges

Getting an instant personal loan online within minutes

Many people turn to instant personal loans to get through a tight financial situation. These instant loans have an advantage over regular loans because of how quickly the amount is disbursed.


What is an instant short-term personal loan?

An instant short-term personal loan is a quick, small amount borrowing option typically repaid within a short period, often weeks. Unlike traditional loans, these loans involve minimal documentation and approval processes, providing rapid access to funds. However, they often come with higher interest rates, making responsible borrowing crucial.

If you are looking for this type of finance, our Insta Personal Loan is the best option. It is designed to meet your immediate funding needs. You can check your offer without even going through the entire application process.


If you are an existing customer

Our existing customers benefit from pre-approved loan offers. All you need to do is, simply enter your phone number and OTP for this information.

Check your pre-approved offer


If you are a new customer

Our service lets anyone with a working mobile number check their Insta Personal Loan offer. These deals have pre-assigned limits. We may need further paperwork to process the loan application.


If you do not see an offer

If you do not see an offer or wish to borrow more, you can choose our standard personal loan. It takes less than 5 minutes to apply.


Key features and benefits of an instant personal loan

Since these are pre-approved, instant personal loans have several benefits:

  • Minimal to no documentation
  • Quick disbursal
  • Flexible tenure options
  • Hassle-free application process
  • No hidden charges


How to apply for an instant loan

To get our Insta Personal Loan, you can follow these steps:

  1. To access our online form, click on the 'CHECK OFFER' button on this page.
  2. Enter your 10-digit mobile number, then enter the OTP to verify your number.
  3. Now you will see an offer with a pre-assigned loan limit. You can either accept it or decide on a smaller sum.
  4. Pick a loan tenure that works best for you.
  5. To complete the online form, click on "PROCEED."

The online process may vary depending on whether you're a new or existing customer. Some customers may require additional papers to complete their Insta Personal Loan application. Insta Personal Loan has flexible loan tenures ranging up to 60 months.


How to calculate instant loan EMI online

Once you check your Insta Personal Loan offer, you can decide to go with the offer or choose a smaller amount. You can use our Insta Personal Loan EMI Calculator to check your monthly EMIs and choose an amount that suits you best.

Choosing a longer tenure can lower your EMIs, whereas a shorter tenure can lower your total applicable interest.

Calculate your EMIs

If you are looking for an instant loan which can be transferred to your account quickly, this is a perfect choice.

Your Insta Personal Loan requirement

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (BAJAJ FINANCE) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same. 

Frequently asked questions

What is an online instant personal loan?

Instant loans are credit options which are disbursed quickly and have a fast application process. The Bajaj Finserv Insta Personal Loan is disbursed within just 30 minutes* to 4 hours.

*Applicable for select customers.

What are the documents required to get an instant loan?

In most cases, you do not have to submit any documents to get a Bajaj Finserv Insta Personal Loan. Some customers may need to submit basic paperwork such as KYC documents.

How do you pay back instant loans?

You can set up a NACH mandate with your bank to repay instant loans.

How to get an instant loan?

Getting an Insta Personal Loan from Bajaj Finance is simple. You only need to follow the steps below to get an offer.

  1. Click on ‘CHECK OFFER’.
  2. Enter your 10-digit mobile number and OTP.
  3. Go with the pre-assigned limit or choose a different loan amount.
  4. Choose a repayment tenure that suits you best.
  5. Click on ‘PROCEED’ to complete the online process.

The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Can I get an instant personal loan without documents?

Bajaj Finance offers Insta Personal Loans that come with pre-approved loan offers. Certain existing customers of Bajaj Finance can receive an Insta Personal Loan without submitting any paperwork, such as proof of income or KYC documents.

Can I get an instant loan in two minutes?

Bajaj Finance Insta Personal Loan is known for its remarkable disbursal speed. Customers can expect the funds to be deposited into their bank account within 30 minutes*

4 hours.

*Applicable for select customers.

What is the loan amount that is given for instant short-term loans?

With our Insta Personal Loan, you can get funds of up to Rs. 13,00,000.

What is the tenure for an instant short-term loan?

Our Insta Personal Loan offers tenure options ranging from 6 months to 63 months.

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 Bajaj Finserv App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Explore and apply for co-branded credit cards online.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators.
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

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