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Faircent Personal Loan

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Easy Online Application

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Highest Approval Chances

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End-to-End Expert Assistance

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No Collateral Requirement

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2839 Reviews

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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 Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%
Why Choose Paisabazaar?
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Know Your Chances of Approval

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End-to-End Digital Process

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

About Faircent Personal Loan

  • Faircent personal loans are offered at attractive interest rates and can be used to meet different financial needs.
  • Applicants who apply via Paisabazaar can experience a hassle-free digital personal loan process with end-to-end expert assistance.
  • The applicant’s loan approval and loan terms can vary based on his/her repayment capacity and creditworthiness.
  • Faircent personal loans come with quick disbursal, require minimal documentation  and have zero hidden charges.
  • These personal loans can be repaid over a flexible tenure and require no collateral.

Faircent Personal Loan Highlights

Interest Rate
  • For 9.99% Personal Loan: 9.99% p.a.
  • For Faircent Personal Loans for Marriage: 12% p.a. onwards
  • For Faircent Personal Loans for Home Improvement: 12% p.a. onwards
  • For Faircent Personal Loans for Home Appliances: 12% p.a. onwards
  • For Faircent Personal Loans for Debt Consolidation: 12% p.a. onwards
  • For Faircent Personal Loans for Business Funding: 12% p.a. onwards
Loan Amount
  • For 9.99% Personal Loan: Rs 2 lakh onwards
  • For Faircent Personal Loans for Marriage: Up to Rs 10 lakh
  • For Faircent Personal Loans for Home Improvement: Up to Rs 10 lakh
  • For Faircent Personal Loans for Home Appliances: Up to Rs 10 lakh
  • For Faircent Personal Loans for Debt Consolidation: Up to Rs 10 lakh
  • For Faircent Personal Loans for Business Funding: Up to Rs 10 lakh
Loan Tenure
  • For Faircent Personal Loans for Marriage: Up to 3 years
  • For Faircent Personal Loans for Home Improvement: Up to 3 years
  • For Faircent Personal Loans for Home Appliances: Up to 3 years
  • For Faircent Personal Loans for Debt Consolidation: Up to 3 years
  • For Faircent Personal Loans for Business Funding: Up to 3 years
Filing Fees Faircent charges a one time and non-refundable filing fees of Rs 500, due along with the processing fees, prior to the loan disbursal
Processing Fees
  • Up to Rs 3 lakh: 8%
  • Above Rs 3 lakh to Rs 6 lakh: 7%
  • Above Rs 6 lakh to Rs 10 lakh: 6%

Faircent Personal Loan Interest Rates

Faircent Personal Loan interest rates start from 9.99% p.a. The personal loan interest rates provided by the P2P platform for its different loan schemes are as follows:

Particulars Interest Rates (p.a.)
9.99% Personal Loan 9.99% p.a.
Faircent Personal Loan for Marriage 12% p.a. onwards
Faircent Personal Loan for Home Renovation 12% p.a. onwards
Faircent Personal Loan for Home Appliances 12% p.a. onwards
Faircent Personal Loan for Debt Consolidation 12% p.a. onwards
Faircent Personal Loan for Business Funding 12% p.a. onwards

Fees and Charges for Faircent Personal Loan

Particulars Rates
Filing Fees Faircent charges a one time and non-refundable filing fees of Rs 500, due along with the processing fees, prior to the loan disbursal
Processing Fees
  • Up to Rs 3 lakh: 8%
  • Above Rs 3 lakh to Rs 6 lakh: 7%
  • Above Rs 6 lakh to Rs 10 lakh: 6%
Prepayment Charges
  • One time charge of Rs 500 (non-refundable).
  • No prepayment penalty if loan paid after 3 months from date of disbursal
  • If the loan is prepaid before 3 months
EMI Overdue Charges
  • Rs 500 per delayed EMI payment
  • 18% p.a. penal interest for non-payment of EMI

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Types of Faircent Personal Loans

9.99% Personal Loan

Purpose: Faircent Personal Loan is offered to loan applicants having incomes above Rs 18 lakh p.a. with credit scores more than 750 and no overdue credit repayments.

Interest Rates: 9.99% p.a.

Loan Amount: Rs 2 lakh onwards

Faircent Personal Loan for Marriage

Purpose: Faircent Personal Loan for Marriage enables loan applicants avail funds to manage their wedding related expenses. Faircent claims to provide instant loan approval and minimal documentation

Interest Rates: 12% p.a. onwards

Loan Amount: Up to Rs 10 lakh

Loan Tenure: Up to 3 years

Faircent Personal Loan for Debt Consolidation

Purpose: Faircent Personal Loan for Debt Consolidation enables loan applicants to combine all their existing credit cards and mortgages availed from other lenders into a single personal loan from Faircent. The P2P lender claims to provide instant approval for their debt consolidation loan with minimal documentation.

Interest Rates: 12% p.a. onwards

Loan Amount: Up to Rs 10 lakh

Loan Tenure: Up to 3 years

Faircent Personal Loan for Home Improvement

Purpose: Faircent Personal Loan for Home Improvement allows loan applicants to avail funds for renovation and repair of their existing homes.

Interest Rates: 12% p.a. onwards

Loan Amount: Up to Rs 10 lakh

Loan Tenure: Up to 3 years

Faircent Personal Loan for Home Appliances

Purpose: Faircent Personal Loan for Home Appliances enable loan applicants to purchase appliances including air conditioners, coolers, washing machines, dishwasher, inverters and batteries, microwave oven, CCTV, refrigerator, freezer, etc.

Interest Rates: 12% p.a. onwards

Loan Amount: Up to Rs 10 lakh

Loan Tenure: Up to 3 years

Faircent Personal Loan Eligibility Criteria

The personal loan eligibility criteria set for the various Faircent Personal Loan schemes are as follows:

Faircent Personal Loan

  • Indian Resident
  • Minimum gross income of Rs 3 lakh p.a.

9.99% Personal Loan

  • Credit Scores of above 750
  • Income greater than Rs 18 lakh p.a.
  • Loan applicant should not have any overdue credit repayments

Documents required for Availing Personal Loans from Faircent

The list of personal loan documents required for availing Faircent Personal Loans are mentioned below:

  • Identity Proof (any one): PAN Card, Adhaar Card, Voter ID, Passport
  • Date of Birth Proof: PAN Card or Passport
  • Signature Proof (any one): PAN Card, Signature verification from your bank, Passport
  • Address Proof (any one): Passport, Bank Statement, Voter ID, Electricity Bill (within last 3 months), Post paid Telephone Bill
  • Contact Proof: Last month’s Postpaid Mobile/Landline Bill
  • Bank statement of last 6 months
  • IFSC code: Canceled/scanned cheque or copy of the passbook’s front page of the same bank account
  • Income proof: Salary slips of last 3 months (for salaried professionals) or business/ITR of last 2 years & take home salary (for business professionals)
  • NACH Mandate (the loan applicant’s signature should match those on his/her bank account)
  • E-Mandate (needed if the lender approves the loan request)

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

Explore Our Personal Loan Lenders

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What our customers say

Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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Mohit YadavDec 3, 2025

Fully Digital Process for Real.

Loved the real-time loan status updates.Everything was handled online — didn’t have to visit any branch.

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Gautam BakshiDec 3, 2025

Lower Rate than My Own Bank

Got a lower interest rate than my bank was offering.Smooth digital verification and quick disbursal.

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Pre-approved offers with quick approval

I liked how Paisabazaar showed pre-approved offers without affecting my credit score. Customer support was prompt and helped me close the loan quickly.

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Suraj VermaDec 3, 2025

Same day approval. wow.

The loan was approved the same day — super smooth and transparent process.

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Shiv KumarDec 3, 2025

Best Loan Terms on My Credit Score in the Market

Paisabazaar helped me get a loan even with a borderline credit score. Really impressed with how smooth everything was.

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Multiple offers in Minutes

Paisabazaar helped me compare multiple loan offers in minutes, and I got the best rate without any paperwork.

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Transparent Process and Multiple Options

Transparent process with detailed breakdown of EMIs and charges. Felt confident choosing a lender after comparing multiple offers.

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Custom Loans to Suit your Needs

Paisabazaar showed offers tailored to my salary and credit profile. I got the loan I needed without long processing delays.

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Asha NegiDec 3, 2025

Itna Badhiya Rate and Service Hai!

Apke yaha itna acha interest rate mil gya market mei sabse kum and service toh aur bhi achi h. thank you.

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Mohit SinghDec 2, 2025
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