At Arav Digital Fincare, we connect borrowers with leading banks to provide fast loan approvals with minimal documentation and competitive rates.
Get quick access to funds for your personal needs with minimal documentation and competitive interest rates. Whether it's for travel, wedding, medical emergencies, or debt consolidation, our personal loans are designed to meet your financial requirements with flexible repayment options.
Get your loan approved within 24 hours with our streamlined process.
Simple documentation with just ID proof, address proof and income documents.
Competitive interest rates starting from 10.5% per annum.
Choose repayment tenure between 12 to 60 months as per your comfort.
Salaried individuals, self-employed professionals, or business owners.
21 to 60 years of age at the time of loan maturity.
Minimum monthly income of ₹15,000 for salaried and ₹25,000 for self-employed.
Minimum 2 years of overall work experience with at least 6 months with current employer.
For Salaried Individuals:
For Self-employed/Business Owners:
Our competitive interest rates help you get the best deal.
Transparent and reasonable processing charges.
Additional charges that may apply to your loan.
Use our calculator to estimate your monthly EMI based on loan amount, interest rate, and tenure.
Most personal loans are approved within 24-48 hours after submitting all required documentation. Once approved, disbursement typically happens within 1-3 business days, depending on the bank and your verification status.
Through Arav Digital Fincare, you can apply for a personal loan up to ₹50 lakhs, depending on your income, credit score, employment status, and repayment capacity. The exact amount you're eligible for will be determined after assessment of your application.
Yes, you can repay your personal loan before the end of the loan tenure. However, most banks charge a prepayment penalty, typically 2-5% of the outstanding loan amount. Some banks also require a minimum number of EMIs to be paid before allowing prepayment.
Your credit score significantly impacts your loan approval chances and interest rate. A score above 750 typically ensures approval with the best interest rates. Scores between 650-750 may get approval but with higher rates. Below 650, approval becomes challenging, though we work with banks that consider other factors beyond credit scores.
Yes, self-employed professionals and business owners can apply for personal loans. However, the documentation requirements differ from salaried individuals. You'll need to provide business proof, income tax returns for at least 2 years, and bank statements showing business transactions.
