• Personal Loan starts @ 10.25%

    In need of money, then your wait ends here. Chqbank will help you with proper guidance and best offers that meets your need.

    *Loan for every need.

    Personal Loan

Easy application

Upto ₹ 50L

No Collateral

₹ 0/- Fees

Personal Profile

Who are you

  • Name, Age & Number
  • KYC details - PAN & Aadhaar
  • Address proof
  • References

Work Profile

Where do you work

  • Company name
  • Work Experience in years
  • Salary & ITR details
  • Job proof like ID/email verification

Financial Profile

How will you pay EMI

  • Bureau score like CIBIL/other
  • Existing loans
  • Other monthly obligations
  • Co-applicant details

Why choose Chqbank?

We provide the best Professional Advisory Services. And we are fast, secure & work in your best interest. Chqbank advisors help you in making informed decisions & apply right.

Maximum Eligibility

Maximum Eligibility

Get maximum loan amount at best rate of interest, basis your profile details like Net Income, Existing EMI & other details to get maximum loan at lowest rate

Minimum Documentation

Minimum Documentation

Only necessary documents like income, address & employment proof along with bank statement & salary slips to avail speedy service

Instant Disbursals

Instant Disbursals

Fastest turn around time for money in bank, subject to submission of all documents at one go to advisors. (Subject to document verification)

How it works

Simple - Safe - Secured


Simple Form

Just fill up form with your basic details


Connect with Advisor

Select from right product and offers for you


Get Money

Complete digital assisted journey & get money in your bank

We make sure no questions goes unanswered if its related to our services.

Frequently Asked Questions

  • What is personal loan?
    • Loan provided by Banks/NBFC/ Financial institution based on your profile without collateral. It’s a type of unsecured loan.
  • Is Bank statement mandatory for PL?
    • Yes, latest updated bank statement is must to verify your income credits and existing obligations if any.
  • What is the maximum tenure for personal loan?
    • Personal loan can be taken maximum for 5 years
  • What are Age criteria for Loan?
    • You should be 21 years or above & less than 55 years (if salaried); Age upto 58 years considered for self employed
  • Is there any condition on where the money disbursed needs to be used?
    • No, there are no such conditions. Money can be used for Travel, pay of personal borrowings, medical expenses, any exigencies, wedding, education, home repairs, business, credit card payments or any other purpose
  • Why is rate of interest of Personal Loan more than home loan ROI?
    • Home loan is a secured loan and property original papers are stored / mortgaged / collateral with Banks. Personal loan on other hand is unsecured loan and without any guarantees in return
  • If I apply, do Chqbank guarantee a loan?
    • Loan sanctioning and disbursal are discretion of Banks / NBFCs. It is depended on various factor. If all factors are successfully met, you will get a loan otherwise not
  • Factors affecting loan eligibility and rate of interest?
      • Age
      • Income
      • Loan amount
      • Company you work with
      • City of Residence
      • Credit Score / Cibil Score
      • Any other parameter as specific to processing bank
  • What is Credit score?
    • All your financial records like how many loans taken, credit cards used, other financial records get saved at one place. This information is run through a system to create your score card. The result of this information is your credit score. The score is provided by severy bureau like Transunion / Cibil, Equifax, Experian, CRIF High Mark and several others. Of all CIBIL is given high weightage by Banks and NBFCs.
  • Why good credit score is important?
    • A good score is important as it means loan approval, high loan amount, better offers and positive scenarios. Any defaults, cheque bounce, settlements or delay in payment in past, impacts the score negatively. A negative score or score drop recently might lead rejection of loan applicant.
  • What should be the minimum score to get the loan processed easily?
    • Most banks have score cut-off of 700 or 730 and above to be eligible for loan. If an applicant is new to financial records with no past credit history, which is identified as -1 / NH (No History) in report. Few banks might still consider the applicant basis your profile and other Banks might upfront reject loan application.
  • What are different types of charges involved in Personal loan application?
      • Processing fee is charged by almost all financial institution on personal loan application
      • Interest rate on loan amount. With ROI and loan tenure the monthly installment of loan is calculated
      • Foreclosure Fee – If loan is repaid before the actual loan total duration/tenure, then foreclosure fees are charged
      • Late Fees – If you miss to pay the EMI on time, such delays attract late fees

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*Data based on till-date activity (22-May'24 02:13 pm)

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