A personal loan, matched to a lender who actually wants your profile.
Rate and eligibility swing hard on your CIBIL score and income type — which is why blindly applying to three banks and collecting three rejections hurts your score for nothing. We check your profile against real lender criteria first.
A payslip isn't the only proof of income that counts.
Salaried employees get our fastest lane here — a clean payslip and Form 16 mean the widest lender choice, the quickest processing, and the best rates on the table. And if your income doesn't come with a payslip, we haven't left you out: auto and cab drivers, daily-wage workers, and contractors apply through us too, matched to lenders who assess income the way you actually earn it.
No formal payslip? Many of our partner lenders accept bank statement patterns, daily collection records, or a co-applicant/guarantor in place of salary slips. Not every lender does this, which is exactly why matching you to the right one matters more than usual here.
What most of our lenders look for.
Eligibility
Salaried, self-employed, daily-wage, or driving/contracting for a living — stable income in whatever form it takes
CIBIL score 600+ typically required for pre-screening.* Lenders vary — some specialise in thinner-file or lower-score profiles at a different rate
Age and income thresholds vary by lender — we match, not guess
Documents
ID & address proof, KYC
Income proof — salary slips/ITRs where available, otherwise bank statements or alternate proof as advised
Bank statements (3–6 months)
What will your personal loan EMI actually be?
₹5 lakh to ₹5 crore, rates from 7.9%*. Move the sliders — the numbers and the repayment chart update instantly.
Estimate only. Your partner lender's Key Fact Statement at sanction is the final word on rate, fees, and total cost.
Know what you qualify for — before you apply anywhere.
Pick your CIBIL band honestly. We'll tell you where you stand, including if the honest answer right now is "not yet."
Likely — with the right lender.
Not every bank says yes at this profile, but our network includes lenders who specialise in exactly this range. Worth a real conversation.
Self-reported screening only — this does not affect your CIBIL score. *Conditions apply; final eligibility and rate are decided by the lender.Share your number — an advisor calls back. No fee, ever.
Personal loan questions, answered straight.
Can I get a personal loan with a CIBIL score below 600?
It's harder, but not always impossible — a few lenders in our network work with thin-file or lower-score profiles at adjusted terms. Check your Dostaa Score result for an honest read on your specific case.
I'm an auto driver / daily-wage worker with no salary slip — can I still apply?
Yes — several of our partner lenders assess income through bank statement patterns or daily collection records instead of a payslip. Not every lender does this, which is exactly why matching you to the right one matters more than usual here.
How fast can a personal loan be disbursed?
Some lenders disburse within 24–48 hours for straightforward salaried profiles with clean documentation — we'll tell you which lender is fastest for your specific profile.