If you are looking for a quick, paperless personal loan, Bajaj Finserv’s Insta Personal Loan is worth considering. You can get loan amounts ranging from ₹40,000 to ₹15,50,000. The interest rates typically range from 16% to 30% p.a., with tenures between 12 and 96 months. There are no hidden fees, and select customers can enjoy disbursal within just 30 minutes. For new applicants, minimal documents are required, while existing customers may have a pre-approved limit waiting.

How to Apply Step by Step

To apply, first enter your mobile number on the application page and verify with an OTP. You will then see your pre-approved or eligible loan amount. Next, select your desired loan amount and choose a repayment tenure. Proceed by completing any required personal information. Upload the necessary documents if prompted, and finally, submit your application. You can expect a very fast turnaround for approval and disbursal.

Top Pros of Bajaj Finserv Insta Personal Loan

One key advantage is the speed—many applicants get their money in just 30 minutes. Moreover, the process is fully online and largely paperless. Flexible tenures from 12 to 96 months give you more control over repayments. Existing customers can check offers instantly, and often no collateral is needed.

A Few Cons to Keep in Mind

Interest rates are on the higher side (from 16% p.a.), especially for those with limited credit. Additionally, the pre-assigned limit may not always meet your highest loan demands. New applicants might occasionally need to supply extra documentation, which may slow approval slightly.

Our Verdict

The Bajaj Finserv Insta Personal Loan is ideal for users who want fast cash for emergencies, home repairs, education, or weddings. Its fully digital process, minimal paperwork, and 30-minute disbursal make it highly attractive. If you prioritise speed and convenience over the lowest possible rates, this is a solid pick.