Get Personal Loans in Patna
Patna, the vibrant capital of Bihar, is not only one of the oldest cities in India but also a hub of education, governance, and growing commercial activity. From hardworking professionals to ambitious entrepreneurs, Patnaites are constantly chasing progress. However, financial needs can arise anytime — be it for higher education, wedding expenses, medical emergencies, or renovating your home.
That’s where WeCredit steps in. We offer quick and hassle-free personal loans in Patna with attractive interest rates and flexible repayment options, helping you achieve your goals without financial stress.
Personal Loan EMI Calculator
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Personal Loan Interest Rates in Patna
Here’s a comparison of personal loan interest rates from various lenders:
| Lenders | Interest Rate |
|---|---|
| Moneyview | 15.6% |
| KreditBee | 18% |
| Fibe | 18% |
| Prefr | 18-36% |
| L&T Finance | 10.8% |
| Incred Finance | 15.6%-36% |
| Bank of Baroda | 10.10% |
| Bank of India | 10.25% |
| IDBI Bank | 9.5%-14% |
| PNB | 11.40% |
| State Bank of India | 11.15% |
| Union Bank of India | 9.30% 13.40% |
| ICICI Bank | 10.75% 19% |
| Indusind Bank | 10.5% Onwards |
| IDFC First Bank | 10.75% |
| Kotak Mahindra Bank | 10.5% |
| RBL Bank | 14%-23% |
Small Cash Loan Using Your Aadhar Card
Documents Required for Personal Loan in Patna
| Category | Documents |
|---|---|
| KYC Documents |
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| Income Documents – Salaried |
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| Income Documents – Self-employed |
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| Other Documents |
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Key Features of Our Personal Loans
- Hassle-free online application
- Instant loan approval
- Fast disbursal to your account
- Minimal documentation
- Flexible repayment tenure (1 to 5 years)
- Attractive interest rates
- Pre-approved offers
- Easy EMIs
How to Get a Low-Interest Personal Loan in Patna
If You Have a Good Credit Score:
WeCredit offers low-interest personal loans to creditworthy individuals in Patna through a simple, digital application process.
If You Have a Poor Credit Score:
Don’t worry — we also assist applicants with low credit by offering secured loans, co-borrower options, and personalized financial guidance to improve your credit profile over time.
Personal Loans for Self-Employed Individuals
Eligibility Criteria
| Criteria | Details |
|---|---|
| Citizenship | Indian |
| Age Limit | Minimum 21 years at loan application and maximum 60 years at loan maturity |
| Monthly Income | ₹20,000 |
| Work Experience (Salaried) | Minimum 1 year, but some lenders require more than one year of experience |
| Work Experience (Self-employed) | Minimum 2-3 years of experience required |
| Credit Score | 700 or above |
*Personal loan eligibility criteria may vary from lender to lender.
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How WeCredit Works
Compare Loans
Easily compare loan options from multiple lenders to find the best fit for you.
Register Online
Our simple online registration process makes applying quick and convenient.
Get Quick Approval
Receive fast approval on your loan application, getting you the funds you need without delay.
1. What is the maximum loan amount I can get in Patna?
You can avail a personal loan of up to ₹40 lakhs in Patna, depending on your credit score, income, and loan eligibility criteria set by the lender.
2. How fast can I get a personal loan in Patna?
With WeCredit, personal loans in Patna can be approved instantly and disbursed within 24 to 48 hours, provided all documents are in order.
3. Can I apply for a personal loan in Patna without visiting a branch?
Yes, the entire application process is online. You can apply for a personal loan in Patna from the comfort of your home through our secure platform.
4. Are government employees in Patna eligible for lower interest rates?
Yes, many lenders offer preferential interest rates to government employees. Submit your employment proof while applying to explore better rates.
5. Do I need to provide collateral for a personal loan in Patna?
No, personal loans are unsecured, which means you don’t need to pledge any collateral or security.
6. Can self-employed individuals in Patna apply for a personal loan?
Absolutely. Self-employed applicants can avail personal loans by submitting financial statements, business proof, and ITRs for the past two years.