Bajaj Finance Personal Loan
Bajaj Finance Personal Loan — flexible tenure up to 7 years with Flexi-loan facility and acceptance of lower CIBIL scores.
At 10%, Bajaj Finance has one of the lowest starting rates of the 22 lenders we track for personal loans.
Documents required
- PAN Card
- Aadhaar Card
- 3 months salary slips
- 6 months bank statement
- Address proof
As published by Bajaj Finance. Your branch may ask for more.
Best for: Applicants with CIBIL 685–720 or those wanting long tenures (up to 7 years) and Flexi-loan interest-only EMIs.
Eligibility
Loan terms
- Accepts lower CIBIL scores
- Longest tenure up to 7 years
- Flexi loan facility
- Top-up on existing loans
- Part-prepayment allowed
Fees & charges
FAQ
Lenders price on your credit score, income, employer category and tenure. A score above 750 typically unlocks the lower end of each range shown. The exact rate is confirmed by the lender at underwriting.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.
Most lenders allow prepayment after a few EMIs. Charges vary by lender and are shown in the fees section; RBI caps foreclosure charges on floating-rate loans to individuals.