Pre-Approved Personal Loan

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      Pre-Approved Personal Loan

      Pre-Approved Personal Loan

      The banks usually offer a pre-approved personal loan to the customers who have a clean record or track in the past for repaying their dues. It is offered at low-interest rates. Some lenders pre-approve the loan to the customers if they have no credit history based on parameters like income and saving history.

      Key Features

      • Disbursal is quick: If you are the customer of the same bank, you can get the funds quickly into your account.
      • Minimum documentation: You can also enjoy the benefit like the documentation required is very less or zero.
      • Least processing time: Pre-approval loan customers can benefit from the least processing time for disbursal of the loan.
      • Flexible Repayment: If the customer has a good repayment history, the lender may offer him flexible repayments as the lender is aware that the due will be repaid.


      The customer who has a good credit history and a clean track has the personal loan eligibility to avail of the loan.

      It is also available to customers with no credit history, referring to the parameters like income and saving history.

      Pre-Approved Personal Loan

      Amount and Tenure

      The pre-approved personal loan differs for individuals. The maximum pre-approval amount can go up to 20 lakh, considering the customer’s credit history and loan repayment cycle. For repaying the loan, you should go for the tenure from 24 months to 60 months, making the loan repayment tenure easy for the customers.


      How can you apply for the pre-approval loan?

      All you need to do is go to the bank’s official website from where you want to avail the loan fill the given form, or you can also (SMS like PL 577575) as some banks also provide this facility to apply via SMS.

      How to repay the pre-approved loan?

      You can repay the loan through EMIs. If you have an account of the concerned bank, you may debit mandate.

      Does one need to provide security to avail of the loan?

      No, there is no security required to avail of the loan.

      Special Note: An individual must examine the whole EMI amount payable to the lender with the Personal loan EMI calculator.