Personal Loan
Need quick support today? Start an online loan application in minutes and get a fast decision
A Practical Personal Loan Option
When you need finance for an urgent expense - a medical bill, a home repair, or a shortfall before your next salary arrives - a personal loan through TrustPaisa is a practical and regulated starting point. The platform connects eligible Indian residents with RBI-licensed NBFC lending partners who review each personal loan quickly, and who consider applicants that a traditional bank may have declined based on rigid qualification thresholds.
Personal loan amounts for first-time borrowers start at ₹2,500 and can reach ₹10,000, with repayment periods from 61 days to 180 days - approximately 2 to 6 months.
Why Choose Us?
Simple online registration
Begin a personal loan submission from your smartphone in minutes.
Same-day offer availability
Receive a personalised loan offer the same day, subject to verification.
Fully licensed
Every loan is issued by an RBI-licensed NBFC partner.
Only valid PAN card
Only a PAN card and Aadhaar card are required to apply.
TrustPaisa vs. Bank Personal Loans
A bank personal loan typically requires salary slips, Form 16, employer verification letters, a minimum salary well above the national average, and a strong CIBIL score, and can take several days or weeks to process. TrustPaisa's digital process lets eligible applicants receive a personalised offer the same day their submission is completed, subject to credit assessment and document verification.
TrustPaisa in numbers
750+
Days in the market
20 Lakh+
App downloads
12 Lakh+
Registered users
₹270 Cr+
Loan amount disbursed
How to apply for a Personal Loan
Apply online
Enter the phone number linked to your Aadhaar and your email address
Fill in your personal details. We keep them strictly confidential
Verify your documents and identity
Receive approval
Provide your preferred way to receive money
Select loan amount and term from the available options
Get approved in just 5 minutes
Get your money quickly
Sign your agreement with e-signature
Receive your money in your bank account
Enjoy your funds and repay your loan on time
Who can apply for a Personal loan
Checking your loan eligibility takes only a few minutes online, so you know where you stand before you start the full loan application.
AGE
You are 21-60 years old
DOCUMENTS
Aadhaar, PAN card, and valid bank account
SELFIE CHECK
Clear selfie for identity verification
INCOME
Regular monthly salary proved by bank statement
RESIDENCY
Indian citizen living in India
CONTACT
Active mobile number and valid email
DEVICE
Any device with internet access
APPLICANT TYPE
Individual applicants only
What is required for a Personal Loan
The personal loan process at TrustPaisa is fully digital and runs on a smartphone from registration through to loan agreement signing, with no branch visit required at any stage. Required items include an Aadhaar-linked mobile number, PAN Card, a recent bank statement from an India-based account, and basic personal and employment details.
How to repay your Personal Loan
Go to your loan page
Access your active loan page in your profile
Click the 'Pay now' button to begin
Choose a payment method
Select from Debit card, Netbanking or UPI
Proceed with your preferred payment option
Complete the payment
Enter the amount you want to pay
Confirm your transaction to finalize the payment
Repaying Your Personal Loan
TrustPaisa's NBFC lending partners report loan repayment activity to all major credit bureaus - including CIBIL - on a scheduled cycle of approximately every 30 to 45 days. Pre-closure is available at any time with no pre-payment penalty. If you are unable to make your EMI payment by the due date, a grace period of up to 2 days is available - contact support at help@trustpaisa.com promptly if you encounter repayment difficulties.
Personal Loan Frequently Asked Questions
Find answers to the most common questions people ask about a personal loan with TrustPaisa in this section.
The TrustPaisa app, available on the Google Play Store, is one of the most accessible platforms in India for completing a personal loan submission entirely from a smartphone.
For a first-time borrower, the personal loan amount ranges from ₹2,500 to ₹10,000, with repayment periods of 61 to 180 days. Repeat borrowers may become eligible for a loan of up to ₹45,000.
A personal loan from TrustPaisa offers a fast, transparent process with clear disclosure of principal, interest rate, fees, and repayment schedule before you sign.
Any Indian resident aged between 21 and 60 years with a regular monthly income can apply, subject to credit evaluation by the partnered NBFC lenders.
A PAN card, Aadhaar card, and a recent bank statement demonstrating regular earnings are required for a standard personal loan application.
Most submissions are reviewed within minutes when all documents are accurate; some cases requiring additional verification may take 24 to 48 hours.
A personal loan through TrustPaisa is open to Indian residents across the country - the process is entirely online with no branch visit required.
