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Faircent Personal Loan

Fairassets Technologies Pvt. Ltd., branded as Faircent, offers personal loans at interest rates starting from 9.99% p.a for loan tenures of up to 3 years. It is a peer to peer (P2P) lending platform registered with the RBI as an NBFC-P2P. Loan applicants can avail Faircent Personal Loans for marriage, home improvement, purchasing home appliances, debt consolidation and for funding their business. The lender claims to offer personal loans with an easy online application process and loan disbursal within 2 days. Any prospective applicant availing personal loans on this platform will be funded by multiple lenders.
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Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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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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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

Apply Now

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

Apply Now

Avail Personal Loan for
All Your Needs

Avail Personal Loan Banner

Avail Personal Loan for
All Your Needs

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

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

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 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
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