₹1,000 Cr+
Loans facilitated
₹3 Lakh Cr+
Partner network disbursals / yr
220+
Lenders across India
What you can use it for
- Medical or family emergencies
- Wedding, travel or education expenses
- Home renovation or large purchases
- Consolidating higher-cost dues
Who can apply
Lenders differ, but eligibility usually depends on:
- Being a salaried or self-employed resident of India, usually aged 21 and above
- A steady, verifiable income
- A credit history lenders can assess
- Basic KYC and income documents
Documents usually needed
- Identity and address proof
- Recent income proof (salary slips or bank statements)
- Employment or business details
Frequently asked questions
Do I need collateral for a personal loan?
No. A personal loan is unsecured, so you do not pledge any asset. Lenders decide based on your income, obligations and credit profile.
Does checking eligibility on FinThread affect my credit score?
Exploring options and estimating EMIs on FinThread does not affect your score. A formal application to a lender may involve a credit check by that lender.
How is my personal loan EMI calculated?
Your EMI depends on the loan amount, the interest rate and the tenure. You can estimate it on FinThread before applying.
Compare other loans
Business Loan Home Loan Loan Against Property Project Funding