Everything in a loan journey that usually slows you down, we try to take off your plate.
Quick approval
Fast loan offers from lenders who match your profile.
Minimum documentation
Less paperwork, with guidance on exactly what is needed.
Competitive interest rates
Rates starting from 9.99% p.a.* on personal loans.
Flexible EMI options
Pick a tenure that keeps your monthly outgo comfortable.
Dedicated support
A loan expert who follows your case till disbursal.
Pan-India service
Apply from any city, entirely online.
Know your CIBIL score before you apply
Your credit score is one of the first things lenders look at. A higher score generally means better chances of approval and better interest rates. Checking your own score takes a minute.
Indicative calculation only. Actual interest rate, tenure, processing fee and other charges are decided by the lender.
Eligibility and documents
Typical requirements. Each lender may ask for slightly different documents.
Eligibility
Indian resident, aged 21 years or above
Monthly salary from ₹30,000*
Stable employment with a company or organisation
A healthy CIBIL score improves your chances
Documents
PAN card and Aadhaar
Last 3 months' salary slips
Last 6 months' bank statement
Address proof, if different from Aadhaar
Eligibility
Indian resident running an operating business
Business vintage and turnover as per lender norms
Regular banking activity in the business account
A healthy CIBIL score improves your chances
Documents
PAN card and Aadhaar of the applicant
Business proof such as GST registration or Udyam
Latest ITR and 6–12 months' bank statement
Business and residence address proof
Questions people ask us
Is City Finance a bank or the lender?
City Finance is a channel partner of banks and NBFCs. We help you compare offers and complete the application. The loan is sanctioned and disbursed by the lending partner.
What is the minimum loan amount?
Loans start from ₹2,00,000 and go up to ₹15,00,000, subject to your profile and the lender's policy.
How long does approval take?
The application takes about 2 minutes. Approval and disbursal time depends on the lender and on how quickly your documents are verified.
Is there a processing fee?
Selected offers carry zero* processing fee. Fees differ by lender and loan type, and you will be told the exact charges before you accept any offer.
Will checking my CIBIL score reduce it?
Checking your own score is a soft enquiry and does not reduce it. A hard enquiry happens when a lender checks your credit report after you apply for a loan.
Can I get a loan with a low credit score?
It depends on the lender and your overall profile. A higher score improves approval chances and rates. Our loan expert can tell you which options are realistic.
Can I repay my loan early?
Part-payment and foreclosure rules, and any charges, are set by the lender. We will share these with you before you sign.
Is my personal information safe?
We collect only what is needed to process your request and share it only with lending partners. Read our Privacy Policy for details.
Ready to see your loan offer?
Takes about 2 minutes. A loan expert will call you to take it forward.