A personal loan is an unsecured loan you can use for many purposes—managing delayed salary, consolidating expenses, funding travel, education, or other personal goals. TrustPaisa offers fully online personal loans of up to about ₹45,000 with flexible tenures, simple documentation, and quick disbursal straight to your bank account after approval. 

To get a personal loan online from TrustPaisa, visit the website or app, sign up with your Aadhaar-linked mobile number, complete your profile, upload your KYC and income documents, select a suitable loan amount and repayment period, and sign the agreement digitally. Once approved, the personal loan is credited to your bank account without any physical paperwork.

You’re typically eligible for a personal loan if you:

• • are an Indian citizen residing in India,
• • are 18–55 years old,
• • have a stable salaried or self-employed income, and
• • hold an active bank account in your name.

Final decisions are made by the lending partner after reviewing your full profile.

Some flexibility is possible, but lenders still need to confirm that you can repay the loan. If you don’t have a standard salary slip, you may be asked for bank statements or other income-related documents. If you cannot provide any proof of regular income, it’s very unlikely that your personal loan will be approved.

Personal loans are designed for applicants with predictable income. If you are unemployed with no ongoing income, your application is likely to be rejected. If you earn money from another verifiable source—like self-employment or small business income—reflected in your bank account, you can still apply, but the lender will decide based on overall risk.

You can apply for a personal loan even if you have no CIBIL score. TrustPaisa’s lending partners may look at your bank history, income pattern, and other data instead of relying only on credit bureau records. However, having no score may limit the loan amount or change the pricing, and there is no guarantee of approval.

A bad credit history makes it harder to get a personal loan, but you are still allowed to apply. The lender will carefully check your past dues, current liabilities, and income. If they see improved financial behavior and strong repayment capacity, they may still offer a smaller loan or stricter terms.

TrustPaisa does not communicate a fixed minimum CIBIL score for personal loans. Each lending partner uses its own internal policies and risk models. In general, a higher score and clean repayment track record will increase the likelihood of approval and better terms, but no specific score can guarantee a loan.