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Finzy Personal Loan

Here are a few factors

How To Apply
Product Rating

( 4.7 /5 )

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Mode of Process Online
Location PAN India
Loan Amount Rs. 50,000 to Rs. 5 Lakhs
Repayment Tenure 6 - 36 months
Approval and Disbursement 48 hours
ROI 7.99% - 18.99% per annum
Processing Fees 1% - 5% of the disbursed amount + GST
Foreclosure Allowance Yes
Prepayment Penalty No charges
USP Customers with a solid borrowing track record on finzy can access loans from finzy multiple times without having to reapply and provide new information. Visual Dashboard to track your transactions
Work Process

Get One Step Ahead Towards Your Goal with Finzy Personal Loan

If you are planning to apply for a personal loan at Finzy, all you need is to follow a few steps through ReferLoan

01
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

02
Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

03
Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

04
Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, the amount will be disbursed to your account shortly.

Know Your Eligibilities Before Applying

Eligibility for a personal loan with Finzy Personal Loan

Eligibility

  • The applicant must be an Indian Citizen with identity proof
  • The minimum age must be 18 or above
  • The Credit Score of the applicant must be more than 700.
  • The minimum monthly in hand salary of the applicant should be Rs. 35,000 (for a salaried individual)
  • The minimum annual income of your business must be Rs. 5 Lakhs (for self-employed applicants)
  • Perfios and eNach will be mandatory.
Easy Documentation, Smoother Process

Required Documents Finzy Personal Loan

PAN Card

Aadhaar Card

Latest Salary slip of 1 month

Driving Licence

Voter ID

Latest Bank statements of 3 months/p>

Apply for Loan

Finzy Customer Care

Contact No. :- 9341 300 300 | 9513 330 562

Email :- support@finzy.com |

Click to contact Finzy Customer Care

Benefits of Finzy Personal Loan

  • Safe Digitised Process
  • Instant Eligibility Check Too
  • No-Lock in Period
  • No Foreclosure Charges
  • Automated EMI Collection
  • 48 hrs Loan Funding

About Finzy Personal Loan

Looking for a personal loan, especially online to save time? Finzy is the right place. Finzy Personal Loan, a non-banking financial company registered with the RBI, offers loans to eligible salaried professionals and self-employed business owners through peer-to-peer lending. Here, select borrowers are digitally connected with investors for their financial requirements. It is easy and convenient to apply for a loan with Finzy as you can upload all supporting documents online without the need for the physical submission of documents.

Finzy is a finance company, which focuses on extending loans to salaried professionals and self-employed business owners. If you are looking to avail of hassle-free financing, Finzy is the one-stop destination providing you with the best interest rates and repayment schemes. You can apply for a loan online irrespective of your repayment capacity and employment status.

Let us take an example, How EMI is being calculated

For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee 1% - 5% of the disbursed amount + GST of loan amount may apply. T&C apply.
Year Principal
(A) 		Interest
(B) 		Total Payment
(A + B) 		Balance Loan Paid To Date
2022 ₹ 11,363 ₹ 5,969 ₹ 17,333 ₹ 88,637 11.36%
Aug ₹ 2,217 ₹ 1,250 ₹ 3,467 ₹ 97,783 2.22%
Sep ₹ 2,244 ₹ 1,222 ₹ 3,467 ₹ 95,539 4.46%
Oct ₹ 2,272 ₹ 1,194 ₹ 3,467 ₹ 93,267 6.73%
Nov ₹ 2,301 ₹ 1,166 ₹ 3,467 ₹ 90,966 9.03%
Dec ₹ 2,329 ₹ 1,137 ₹ 3,467 ₹ 88,637 11.36%
2023 ₹ 30,332 ₹ 11,266 ₹ 41,598 ₹ 58,305 41.70%
Jan ₹ 2,359 ₹ 1,108 ₹ 3,467 ₹ 86,278 13.72%
Feb ₹ 2,388 ₹ 1,078 ₹ 3,467 ₹ 83,890 16.11%
Mar ₹ 2,418 ₹ 1,049 ₹ 3,467 ₹ 81,472 18.53%
Apr ₹ 2,448 ₹ 1,018 ₹ 3,467 ₹ 79,024 20.98%
May ₹ 2,479 ₹ 988 ₹ 3,467 ₹ 76,545 23.45%
Jun ₹ 2,510 ₹ 957 ₹ 3,467 ₹ 74,036 25.96%
Jul ₹ 2,541 ₹ 925 ₹ 3,467 ₹ 71,495 28.51%
Aug ₹ 2,573 ₹ 894 ₹ 3,467 ₹ 68,922 31.08%
Sep ₹ 2,605 ₹ 862 ₹ 3,467 ₹ 66,317 33.68%
Oct ₹ 2,638 ₹ 829 ₹ 3,467 ₹ 63,679 36.32%
Nov ₹ 2,671 ₹ 796 ₹ 3,467 ₹ 61,009 38.99%
Dec ₹ 2,704 ₹ 763 ₹ 3,467 ₹ 58,305 41.70%
2024 ₹ 35,208 ₹ 6,390 ₹ 41,598 ₹ 23,097 76.90%
Jan ₹ 2,738 ₹ 729 ₹ 3,467 ₹ 55,567 44.43%
Feb ₹ 2,772 ₹ 695 ₹ 3,467 ₹ 52,795 47.20%
Mar ₹ 2,807 ₹ 660 ₹ 3,467 ₹ 49,988 50.01%
Apr ₹ 2,842 ₹ 625 ₹ 3,467 ₹ 47,147 52.85%
May ₹ 2,877 ₹ 589 ₹ 3,467 ₹ 44,270 55.73%
Jun ₹ 2,913 ₹ 553 ₹ 3,467 ₹ 41,356 58.64%
Jul ₹ 2,950 ₹ 517 ₹ 3,467 ₹ 38,407 61.59%
Aug ₹ 2,986 ₹ 480 ₹ 3,467 ₹ 35,420 64.58%
Sep ₹ 3,024 ₹ 443 ₹ 3,467 ₹ 32,397 67.60%
Oct ₹ 3,062 ₹ 405 ₹ 3,467 ₹ 29,335 70.67%
Nov ₹ 3,100 ₹ 367 ₹ 3,467 ₹ 26,235 73.76%
Dec ₹ 3,139 ₹ 328 ₹ 3,467 ₹ 23,097 76.90%
2025 ₹ 23,097 ₹ 1,169 ₹ 24,266 ₹ 0 100.00%
Jan ₹ 3,178 ₹ 289 ₹ 3,467 ₹ 19,919 80.08%
Feb ₹ 3,218 ₹ 249 ₹ 3,467 ₹ 16,701 83.30%
Mar ₹ 3,258 ₹ 209 ₹ 3,467 ₹ 13,443 86.56%
Apr ₹ 3,298 ₹ 168 ₹ 3,467 ₹ 10,145 89.86%
May ₹ 3,340 ₹ 127 ₹ 3,467 ₹ 6,805 93.19%
Jun ₹ 3,381 ₹ 85 ₹ 3,467 ₹ 3,424 96.58%
Jul ₹ 3,424 ₹ 43 ₹ 3,467 ₹ 0 100.00%

FREQUENTLY ASKED QUESTIONS

Yes, you can easily prepay your Finzy personal loan amount, and that too, without any hidden charges.

You can apply for a personal loan amount as high as Rs. 5 Lakhs with Finzy.

Interest rates vary depending on your individual credit history. Our proprietary and scientific Finzy Credit Algorithm helps us determine whether you are a good candidate for a loan based on that history.

Finzy offers collateral-free loans. If you default on your payments, they'll have the right to initiate criminal proceedings for fraud and theft—please read all loan documents carefully before signing.