Loan Amount
Flexible unsecured funding for planned and urgent expenses.
Borrow from INR 10,000 up to INR 50 Lakhs with no collateral requirement.
Rate and Tenure
Built for manageable EMIs and quick approvals.
Interest rates can start from 9.75% p.a. with repayment terms from 12 to 84 months.
Disbursal Speed
Useful when timing matters.
Selected lenders can disburse within 24 hours after document verification.
Overview
Fast funds without pledging collateral
A personal loan is designed for borrowers who need flexible financing for medical bills, home upgrades, wedding costs, travel, or debt consolidation. Urban Money positions it as a quick, paper-light product that helps salaried professionals, self-employed applicants, and pensioners compare offers from multiple lenders in one place.
The strongest value points are speed, end-use flexibility, and simple comparison. Instead of tying the loan to a house, car, or other asset, approval is mainly linked to your income profile, repayment history, credit score, and the lender's policy.
- No collateral or guarantor is usually required.
- Use the funds for emergencies or planned expenses without end-use restrictions.
- Online comparison helps you review tenure, rate, and lender fit before applying.
What to Check
Eligibility, documents, and best uses
Eligibility Snapshot
- Age: usually 21 to 60 years
- Profile: salaried, self-employed, or pensioner
- Income: steady monthly or business income
- Credit score: 650+ is commonly preferred
- Experience: around 1 to 2 years depending on lender
Documents Required
- PAN card and passport-size photographs
- Identity proof such as Aadhaar, passport, or driving licence
- Address proof and recent bank statements
- Salary slips, Form 16, or ITRs as income proof
- Business proof for self-employed applicants when applicable
Common Use Cases
- Medical emergencies and hospital expenses
- Home renovation, furniture, or appliance upgrades
- Wedding planning and major family events
- Travel or vacation funding
- Debt consolidation into a single EMI
Application Flow
Three simple steps to get started
1. Fill a quick form
Share your name, phone number, email, PAN, and location details so lenders can assess your profile.
2. Compare offers
Review lender options based on rate, processing fee, loan amount, and repayment tenure before proceeding.
3. Submit documents
Complete verification digitally and move toward approval and disbursal as soon as the lender clears the file.
