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Bajaj Finance Pre-Approved Insta Personal Loan

Bajaj Finserv offers pre-approved personal loans @ 16% p.a. onwards for loan amounts of up to Rs 15.50 lakh and for tenures of up to 8 years. Bajaj Finserv Insta pre-approved personal loan can be used for vacations, higher education, wedding, emergency, home renovation projects, etc.
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Valid till 31st March '26*T&C Apply
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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15.5L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Bajaj Finance Insta Personal Loan Highlights

Interest rate 16%-31% p.a.
Loan amount Up to Rs 15.50 lakh
Repayment tenure 1 year to 8 years
Processing fee Up to 3.93% of the loan amount

Bajaj Finance Insta Personal Loan Interest Rates

Bajaj Finance Insta Personal Loan interest rates for pre-approved individuals start from 16% p.a. While Bajaj Finance has not disclosed the differential interest rates for those who qualify for its pre-approved personal loans, lenders usually consider job profile, monthly income, credit score, employer’s profile, etc. of their pre-approved personal loans applicants for setting their personal loan interest rates.

Insta Personal Loan Processing Fees & Other Charges

Processing Fees 3.93% of the loan amount
Prepayment Charges Full Prepayment - 4.72% on the outstanding loan amount as of the date of full prepayment (foreclosure is allowed only payment of the first EMI)
Part Prepayment – 4.72% of the principal outstanding
Bounce Charges Rs 700 per bounce
Penal Interest Up to 36% p.a. per instalment from the due date until the date of receipt of the full instalment is made
Stamp Duty As per actuals
Annual Maintenance Charges Not applicable
Documentation Charges Not applicable

Bajaj Finance Pre-Approved Personal Loan Eligibility Criteria

Bajaj Finance Insta Personal Loan is offered to both salaried and self-employed individuals aged 21 to 80 years. Unlike other Bajaj Finance Personal Loan schemes, Bajaj Finance has not set any specific eligibility criteria for its pre-approved personal loan. However, most lenders offer their pre-approved personal loans to select customers based on their credit score, occupation, income, employer’s profile, etc.

Prospective personal loan applicants can check their eligibility for a Bajaj Finance pre-approved personal loan by visiting its 'Bajaj Finance Insta Personal Loan' website and clicking on 'Check Offer'. They would need to share the basic details such as name, mobile number and OTP. The NBFC claims to disburse pre-approved personal loans within 30 minutes to 4 hours of application.

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Documents Required for Bajaj Finance Pre-Approved Personal Loan

Bajaj Finance disburses Insta Personal Loan without or with minimal documentation to its selected customers. However, NBFC may ask to submit additional documents for availing of Bajaj Finance pre-approved personal loan:

  • KYC documents such as Passport, Aadhaar, Voter's ID, Driving License, NREGA job card
  • Employee ID Card
  • PAN Card
  • Bank account statements of the last 3 months
  • Salary slips for the last 3 months.
  • Photograph

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Avail Personal Loan for
All Your Needs

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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