What you can borrow
You could borrow up to
≈₹14.5L–₹19.5L
Example on a ₹60,000 take-home with no other EMIs, over 5 years. Your answers set yours.
Your take-home, each month
- Existing EMIs
- ₹0
- Room for a new EMI
- ₹42,000
- Everything else
- ₹18,000
Personal loan
See how much you can borrow.
Two numbers from your payslip. No documents, no credit check, and no need to say what it's for.
- No credit checkA quote never touches your score.
- Stays privateWe never ask what the loan is for.
- From 9.99%A year, across our lenders.
New, moved or topped up.
Whether it's a first loan or one you'd like to pay less on, the same comparison.
- 01
A new personal loan
Unsecured, for anything. We never ask what it's for.
- 02
Move a loan you have
To a lender with a lower rate, so the EMI or the tenure comes down.
- 03
Top up a loan you have
Extra cash on top, once you've paid a year or so of EMIs.
Why not take the offer in your banking app?
It's quick, and it's one lender's price. This is what changes when someone compares first.
- 25+
public sector banks, private banks and NBFCs, compared for your income.
In the app: one bank's pre-approved figure, at its rate.
- Same day
answer on which lenders will say yes, before anyone pulls your credit report.
In the app: a hard enquiry each time you try another app.
- One
call. Clario tells you each lender's rate and fee before you apply anywhere.
In the app: the fee shows up on the last screen.
Been turned down by your own bank, or new to your job? That's where comparing matters most. Start a quote
Personal loan rates · checked 10 October 2026
Personal loan rates from 9.99%
a year to start, for a salaried borrower with a credit score of 800 or more.
See your own rate and EMI ↑- ₹1Cr
- the most you can borrow, without collateral
- 5 yrs
- the longest tenure, to keep the EMI low
- No
- question about what the money is for
- 3 days
- from approval to money in your account, usually
Indicative, not an offer. Your employer and existing EMIs move the rate too.
The rate isn't the whole cost.
Lenders take a processing fee before the money reaches you, and interest runs on the full amount. Here's ₹5,00,000 over 3 years at 9.99%.
- You borrow₹5,00,000The loan amount on your sanction letter
- In your account₹4,88,200After a 2% processing fee plus GST, ₹11,800
- You pay back₹5,80,72536 EMIs of ₹16,131
Example. Fees vary by lender, from nothing to about 3%; your advisor shows you each lender's fee before you choose. Closing early can carry a charge, usually 2–4% of what's left.
What you'll need.
Five documents, usually already on your phone. Your advisor sends the exact list for your lender and collects them for you.
For salaried borrowers
- PAN card
- Aadhaar card
- Last 3 months' salary slips
- 6 months' bank statements
- Form 16 or latest ITR
What people ask first.
Anything else, ask Clario on WhatsApp.
Do you charge a fee for your service?
No. Clario is paid by the lending partner once your loan is disbursed. Any processing fee is charged by the lender, and we show it to you before you choose.
Will checking my eligibility affect my credit score?
No. The eligibility estimate on this site uses only the numbers you enter. A credit check happens only when you choose a lender and apply.
Do I have to tell the lender what the loan is for?
Lenders ask for a broad purpose on the form, such as a wedding, travel or medical costs, but they don't ask for bills or proof. Nobody on this site asks at all.
Do I need a guarantor or collateral?
No. A personal loan is unsecured: the lender decides on your income, your existing EMIs and your credit history.
What fees will I pay?
Most lenders charge a processing fee of up to about 2% plus GST, taken from the amount before it's paid out. Closing early can carry a charge of 2–4% of what's left. You see each lender's fees before you choose.
Can I move my personal loan to a lower rate?
Often, yes. The new lender pays off the old one, and your EMI or tenure comes down. Check the old lender's charge for closing early (usually 2–4% of what's left) against what the lower rate saves. After a year or so of EMIs, many lenders add a top-up.
How fast can I get the money?
Once your documents are in, car loans usually pay out in about 2 working days and personal loans in about 3. Home loans take around 2–3 weeks, because the lender checks the property's legal papers first.
I've been turned down before. Can you still help?
Often, yes. A rejection usually means the wrong lender, not the wrong borrower. We know which lenders take self-employed income, a thin credit history or an earlier rejection, and we present your case to them properly.
Is my information safe?
Your details are shared only with the lenders you agree to apply with, and never sold. You can ask us to delete your data at any time.
LOAN ADVISORYClario Loans
J. P. Nagar, Bengaluru
Talk to a person.
Clario knows which lenders take your kind of income, and which ones price it best. Share two numbers and hear back the same day.