Personal Loan in Vadodara
Without giving any security.
Need money for a wedding, medical bills or travel? A personal loan does not need any property as security. We check your profile and match you with banks that may suit you.
- We do not lend. The bank decides
- We check your papers before the bank does
- We follow up until the bank answers
What is a personal loan?
A personal loan is money for any personal need, such as a wedding, medical bills or travel. You do not give any property as security. You repay in monthly EMIs.
Because there is no security, the bank takes more risk, so the interest rate is usually higher than for a home loan or car loan. Banks mainly look at your credit (CIBIL) score, your income and the EMIs you already pay.
A personal loan can be quick compared with other loans because there is no property to check. The speed depends on the bank and on how ready your papers are.
How Jensi Finloan helps
- Check your CIBIL score and current EMIs before you apply
- Choose banks that are likely to suit your profile
- Prepare your income papers and bank statements
- Send a complete file, so fewer questions come back
- Follow up with the bank
- Explain the interest rate and fees before you accept
Papers you need
This is a general list. Your bank or insurance company will confirm the exact papers.
You, if you have a job
- PAN card and Aadhaar card
- Address proof, if different from Aadhaar
- Last 3 months' salary slips
- Salary account bank statement, last 6 months
- Company ID card or offer letter
You, if you have a business
- PAN card and Aadhaar card
- Income tax returns (ITR), last 2 to 3 years
- Bank statements, last 12 months
- GST certificate and returns, if you have GST
- Business proof, such as Udyam certificate or shop licence
How it works
Five simple steps, from your first call to the bank's answer.
Call or message us
Tell us the amount, what it is for and your work details.
We check your profile
We look at your score, income and current EMIs, and tell you what is possible.
We choose the bank and apply
We pick banks that suit you and send a complete file.
The bank checks the file
We answer its questions and follow up.
Sanction and payment
After approval, the bank pays the money into your account.
Check your monthly EMI
Move the sliders to see a rough EMI for a personal loan. This is only an example.
- Loan amount
- Total interest
- You pay in total
This is only an estimate. Your bank's real interest rate and fees can be different.
Check this with MrugeshCommon questions
Why is the interest higher than a home loan?
You do not give any property as security, so the bank takes more risk. This is why the interest rate is usually higher than for a home loan or car loan.
What helps me get approved?
A good CIBIL score, a steady income and fewer other EMIs help. We check these with you first, so there are no surprises.
How quickly can I get it?
It is often quicker than other loans, because there is no property to check. The speed depends on the bank and on how complete your papers are.
Can I get a personal loan with a low CIBIL score?
It is harder, and the interest rate may be higher. We check your score first and tell you honestly what to improve, so you apply at the right time.
Does Jensi Finloan give the loan?
No. The bank gives the loan. We check your details, choose the right bank and follow up.
Our other services
Jensi Finloan helps with 8 kinds of loans and insurance.
Talk to Mrugesh about your Personal Loan
Send your details on WhatsApp or the enquiry form. Mrugesh will contact you. Office: 14 Sai Vihar Society, Waghodia Rd, near Sharnam, Char Rasta, Vadodara 390019.