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    Instant Personal Loan Online

    Say goodbye to strict EMI schedules and non-flexible loan repayment plans with Airtel Finance. No need to wait for days to get your application approved or put effort into producing multiple documents. Just complete your application online for Airtel Personal Loan and get the amount disbursed instantly! Withdraw big or small, choose the EMI amount, and the loan tenure as per your need.

    Benefits of Instant Personal Loan Online

    Check out the benefits of a Instant Personal Loan Online-

    100% digital process

    Submit all your details and documents online

    Instant Loan approval

    Get your Loan application approved!

    Flexible EMIs and tenure

    Choose the loan amount, tenure, EMI, as per your need

    Reasons to Choose Instant Personal Loan

    With Airtel Personal instant loans, your application is approved lightning-fast. You can use an instant
    loan and pay it back according to what works best for you. Be it short-term or long-term, our loans can be
    withdrawn within minutes with a 100% digital and simplified process!

    Apply for an Instant Personal Loan Online

    Follow simple steps as mentioned below

    Open Airtel Thanks app

    Find Shop > Airtel Finance

    Select Flexi Credit

    Fill in your basic details

    Get best offer

    Basis profile verification

    Complete the KYC

    Link your bank account

    Instant Personal Loan EMI Calculator

    Calculate your instant Loan EMIs and interest rate easily using the Instant Loan EMI calculator.. Adjust the tenure and loan amount to know the average interest amount.

    Personal loan amount
    Enter the loan amount


    Tenure plan
    Choose your tenure plan


    Rate of interest
    Adjust your interest rate






    Features of Instant Personal Loan

    With Airtel Personal Loan you get

    Personal loan amount

    ₹10,000 to ₹9,00,000

    Interest rates

    Starting from 11.5% p.a.

    Personal loan tenure

    03 to 60 months

    Credit disbursal

    Within 24 hours

    No paperwork

    100% online

    Low processing fee

    2% to 4% + GST

    Instant Loan Eligibility Criteria

    To be eligible for an instant loan, borrowers need to meet some criterion

    Age must be above 18

    The borrower must be at least 18 years old to be eligible for an instant loan.

    Stable Income Source

    The borrower must have a stable source of income, such as a salary or business income.

    Minimum Credit Score: 720

    The borrower should have a decent credit score to be eligible for an instant loan.

    FAQs on Instant Loan - Airtel Personal Loan

    What is an Instant Loan?

    An Instant Loan is an unsecured personal loan that has key features of quick approval and disbursal process. Airtel Personal Loan offers both Airtel and non-Airtel users instant loans with flexible loan tenure and EMI options.

    What are the eligibility criteria for getting an instant loan?

    Some of the common loan eligibility criteria considered by lenders for an instant loan are:


    • Stable employment

    • Minimum monthly income of ₹15,000 and more (may vary for different lenders)

    • Minimum age – 21 years

    • Applicant should be salaried or self-employed


    There can be additional factors related to credit score, payment history, etc. These differ for every lender.

    Can I get an instant loan without a credit score?

    Yes, you can get an instant loan without a credit score. However, to show your creditworthiness, you will have to produce relevant documents as directed by the lender. These may include your bank statements, income details, etc.

    What is the maximum amount that I can borrow through an instant loan?

    You can borrow up to ₹8-9 Lacs through Airtel Instant Loan. The amount approved depends on your credit score, payment history, and other eligibility criteria. The maximum amount will differ for other financial services.

    What are the benefits of an instant loan?

    As the name suggests, instant loans are approved quickly (approved within a minute with Airtel Personal Loan) and the amount is disbursed right away (within 24 hours with Airtel Instant Loans). Moreover, the process is 100% digital and paperless with minimal documentation. These factors really speed up the process and help applicants who require the funds immediately owing to an emergency.

    What are the features of an Instant Loan?

    Following are the features of an Instant Loan:

    • Quick approval

    • Online Process

    • No Collateral required

    • Simple Process

    • Flexible loan tenure

    • Competitive Interest Rates

    How long does it take to get an instant loan approved and disbursed?

    Instant loans ideally should show the application status within a minute and if approved, the funds must be transferred within 24 hours (given all eligibility criteria are met and documents are in place). Some partners may take 72 hours or more to transfer the funds. Airtel instant loans only take 24 hours!

    What are the documents required for applying for an instant loan?

    In most cases, the applicant’s Aadhaar Card and PAN card along with salary slips and bank statements are sufficient to process an instant loan application. However, this may not be the case for every applicant. It is determined on case-to-case basis.

    Are instant loans available for self-employed individuals or only for salaried employees?

    Instant Loans are available for both self-employed and salaried employees through Airtel Personal Loan services. The list of documents required for a personal loan showing your income will differ for a salaried and self-employed applicant.

    What is the interest rate for an instant loan?

    The interest rates for an instant loan are usually competitive. It depends on several factors like the applicant’s credit score, debt-to-income ratio, and more. Creditors go through the list to offer an interest rate for an instant loan. As a thumb rule, the higher the credit score, the lower the interest rates.

    Is collateral required for getting an instant loan?

    No, since an instant loan is an unsecured loan, there’s no need to present any collateral or security to apply for an instant loan.

    Can I prepay or foreclose a personal loan in Delhi, and are there any penalties for doing so?

    In most cases, lenders allow borrowers to prepay their loan after payment of a certain number of EMI installments. However, prepayment in the partial or full form usually attracts a penalty fee. This fee is charged so that the banks can cover the interest amount to some extent.

    What happens if I am unable to repay my instant loan on time?

    Here are a few consequences you may possibly face, in case of non-payment of the loan on time:

    • Constant reminders on multiple channels by the lender for payments. If these reminders are avoided, legal action can be taken from the lender’s side.

    • Additional Interest is charged on the loan amount increasing your debt burden.

    • The credit score will drop, and this will create problems for you in the future if you are planning to take a home loan or a car loan, or even a personal loan.

    How can I increase the chances of my loan application getting approved?

    • Keep your credit score on the higher side and payments on time.

    • Credit Utilization should be under 30% of the total credit approved.

    • Debt-to-Income ratio should be balanced.

    • Updated address and limited credit inquiries.

    Can a businessman opt for an Instant loan?

    Yes, a businessman is self-employed and therefore can opt for an instant loan.

    Can people working as freelancers get Instant loans?

    Yes, people working as freelancers can get instant loans given that they have all the necessary income proofs and bank statements.

    How early can a person get an Instant loan?

    Financial services like Airtel Personal Loan can disburse the loan amount within 24 hours to the borrower as long as all eligibility and document-related criteria are met.

    Do government employees get special low-interest rates on instant loans?

    Check with the financial partner to know more about such case-specific queries about instant loans.

    What are the instant Loan Eligibility Criteria for ₹1 lakh?

    The eligibility criteria for ₹1 lakh instant loan include a minimum age of 21 years, salaried or self-employed individual, stable job, minimum income of ₹15,000/month, and a few lender-specific parameters.

    What are the instant Loan Eligibility Criteria for ₹3 lakhs?

    The eligibility criteria for ₹3 lakhs are the same as the eligibility requirements for ₹1 lakh instant loan. See above.

    What are the instant Loan Eligibility Criteria for ₹5 lakhs?

    It depends on the lenders. Please check with the lender to know more details. However, a stable income and 21 years of age are some common parameters.

    What are the instant Loan Eligibility Criteria for ₹8 lakhs?

    Every bank and lender have their own policy for an instant loan of ₹8 lakhs. It is advised to check with the lender before starting the loan application to proceed.

    Personal Loan Lending Partner - Airtel Flexi Credit

    What is Airtel Flexi Credit Instant Loan?

    The Airtel Instant Personal Loan is an unsecured online personal loan for short/long terms by Airtel Finance. It is an instant loan that follows a quick application and approval process. It is 100% digital and gets approved within 24 hours. It is ideal for emergencies and personal spends and comes with a flexible repayment tenure.

    Eligibility Criteria for Instant Loan

    The eligibility criteria for an instant loan are kept simple to fast-track the application process and offer instant approval and disbursal. Since Airtel Personal Loan is offered by multiple financial partners, the eligibility criteria differ for each of them. Here are a few common eligibility parameters:

    • Minimum age of the applicant should be 18+ years.

    • Maximum age of the applicant should be between 55 to 65 years. (Depends on the lender)

    • Type of Employment – The applicant should be salaried or self-employed.

    • The minimum monthly income should be above ₹13, 500 or ₹15,000 per month.

    If you fulfil the above pointers and produce the relevant documents, your loan will be processed instantly. There can be a few extra parameters set by the lenders. 

    Key Features and Benefits of Instant Personal Loans

    Here are a few features and benefits of Instant Personal Loans:

    • Flexible repayment options including prepayment or foreclosure.

    • 100% Digital process with zero paperwork.

    • Instant approvals are followed by instant disbursals.

    • Both long (up to 60 months) and short-term loan tenure is available.

    • Option to decide the monthly EMI amount as per monthly financial commitments.

    • Multiple loan offers from various financial partners. 

    • Minimal documentation and easy process.

    • Pre-qualified loan offers for Airtel customers.

    • Loan offers available up to 9 Lacs.

    Fees and charges of Instant Personal Loan

    Processing Fees: This fee is levied by the bank or the lender for all the administrative charges incurred by them. 

    Verification Charges: Many lenders hire third party agencies for the verification of documents and credit score. This cost is known as a verification charge levied by the lenders to the borrowers. 

    Penalty on Late Payment: This penalty is for those borrowers who don’t pay on the due date. The bank levies penalty charges on such borrowers. 

    Prepayment Charges: As we all know, the interest rates are what helps lenders make money so if the borrower pays the entire amount of loan before the tenure is over then the bank levies a charge for prepayment.  

    GST and Other Taxes: These taxes are compulsory and have been levied by the government. 

    Bounce Charges: These charges are levied when an EMI bounces. 

    Things to consider while applying for Instant Loan

    If you have decided to apply for an instant loan, you should keep the following pointers in mind:

    • Go for a trusted brand like Airtel Finance for taking an instant loan.

    • Compare loan interest rates offered by various financial partners. 

    • Understand more about processing and penalty fees. 

    • Learn about foreclosure or prepayment policies and charges from the lender.

    • Choose a personal loan EMI amount that doesn’t hamper your monthly budget. 

    • Keep your documents ready and payments on time for instant loan approval.

    Things to Avoid while applying for Instant Loan

    Here are a few things you should avoid while applying for an instant loan:

    • Don’t take a hasty decision for taking out the loan.

    • Apply for a loan only when you definitely need it.

    • If it is pre-decided to take out a loan, keep your credit score and payment history in check.

    • Don’t apply for a loan from lesser-known financial startups or companies.