Personal Loan — BazaarBraker

Why pick this loan through BazaarBraker?

Compare offers from 30+ lenders in 90 seconds, with one application
Soft credit pull — checking your eligibility won't touch your CIBIL score
Pre-approved offers for salaried customers, often without paperwork
Same-day disbursal available for top credit profiles
Foreclosure permitted after 6 EMIs at most partner lenders

Who's eligible?

Each lender sets its own criteria — these are the typical baselines. We'll match you only with lenders whose rules you actually meet.

Salaried: minimum monthly income of ₹25,000 (₹35,000 in metros)
Self-employed: ITR for the last 2 years, business vintage of 3+ years
Age between 21 and 60 years
CIBIL score of 700 or above for the best rates
Employment with a recognised company or stable business

What you'll need.

Standard documents. Upload once. We share them only with the lender you choose to apply to.

PAN card and Aadhaar card
Latest 3 months of salary slips (or 6 months of bank statements for self-employed)
Latest 6 months of bank account statements
Address proof (rental agreement, utility bill, or passport)
Form 16 or latest ITR acknowledgement

Live rates

Indicative rates from our partners.

Rates as of 2025. Your final offer depends on the lender's assessment of your profile.

Lender	Interest rate	Processing fee	Max tenure
HDFC Bank	10.50% – 21.00%	Up to 2.50%	60 months
ICICI Bank	10.65% – 18.00%	Up to 2.25%	72 months
Axis Bank	10.49% – 22.00%	Up to 2.00%	60 months
Kotak Mahindra	10.99% – 24.00%	Up to 3.00%	60 months
IDFC First Bank	10.75% – 23.00%	Up to 3.50%	60 months
Bajaj Finserv	11.00% – 31.00%	Up to 4.13%	84 months
Tata Capital	10.99% – 24.00%	Up to 3.00%	72 months

* Rates are indicative and subject to change without notice. Final rate depends on credit score, income, and lender's policy.

FAQ

Things people ask.

Quick answers to the questions that come up most often.

Most lenders ask for 700 or above. Some NBFC partners go down to 650, but the rates jump significantly. Below 650, your options are limited and the cost of borrowing is high — we'll usually recommend you wait and rebuild before applying.

No. We run a soft inquiry that's invisible to other lenders and does not reduce your score. A hard inquiry only happens after you choose a specific lender and formally apply.

For salaried applicants with strong credit profiles, disbursal typically happens within 24–48 hours of final approval. NBFCs are usually faster than banks for small-ticket loans.

It varies by lender. Most banks allow part-prepayment after 6 EMIs without charge, but full foreclosure may attract a fee of 2-5% of the outstanding amount. Every charge is disclosed before you sign.

Yes — self-employed professionals, business owners, and freelancers can apply with ITR documents and bank statements instead. The eligibility criteria are slightly different but the process is the same.

Stop overpaying.
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Three steps. Ninety seconds. Zero impact on your credit score. See what real lenders will actually offer you.

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