Apply in about 2 minutes

Personal & business loans from ₹2,00,000, matched to the right lender for you

One application, offers from leading banks and NBFCs. Minimum paperwork, rates from 9.99% p.a.*

  • Quick approval, minimum documentation
  • Loan amounts up to ₹15,00,000
  • Zero* processing fee on selected offers
  • Dedicated loan expert, pan-India service
Not sure about your credit score? Check your CIBIL score

Check your loan offer

Your details are shared only with our lending partners.

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Not sure about your credit score? Check your CIBIL score

Our lending network includes

  • HDFC Bank
  • Axis Bank
  • ICICI Bank
  • Kotak Mahindra Bank
  • Bank of Baroda
  • Central Bank of India
  • Leading NBFCs

Two loans, one simple process

Choose what fits your need. We handle the comparison and follow-up with lenders.

Personal loan

For life's planned and urgent expenses

Interest from 9.99% p.a.*

  • ₹2,00,000 to ₹15,00,000
  • Salaried with monthly income from ₹30,000*
  • Medical, wedding, travel, education, home renovation or debt consolidation
  • Instant loan offer, hassle-free process
Apply for personal loan

Business loan

For small, medium and growing businesses

Loans starting from ₹2,00,000*

  • Business expansion and new branches
  • Working capital and stock purchase
  • Machinery and equipment
  • Competitive rates, flexible repayment options
Apply for business loan

From form to funds in three steps

No branch visits, no long queues.

  1. 1

    Fill the short form

    Tell us the loan type, amount and a few basic details. It takes about 2 minutes.

  2. 2

    Get matched with a lender

    Our loan expert calls you, explains the best-fit offers from our bank and NBFC partners and guides you on documents.

  3. 3

    Complete documents & get funds

    Upload minimum documents. After lender approval, the amount is credited directly to your bank account.

Start my application

Why borrowers choose City Finance

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.

  • 750–900 Excellent
  • 650–749 Good
  • 550–649 Fair
  • 300–549 Poor
Check my CIBIL score

Opens CIBIL's website in a new tab. Score bands shown are indicative.

300900 300
Illustration: a score of 780 falls in the “Excellent” band

Plan your EMI

Move the sliders to see what a loan could cost you each month.

Monthly EMI₹ 0
Principal
Total interest
Total payable
Apply for this amount

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

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.

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