Get Short-Term Loans up to 50,000 - Ayaan Finserve India

Short-Term loans

How short is a short-term loan?

If you are wondering what is a short term loan, it is a quick financing option designed to satisfy urgent requirement of funds. Short term loans help fill cash flow gaps without committing to long-term debt and is usually repayable in just 3-12 months. Whether for urgent repairs, medical expenses, or school fees, such short term loans provide quick approval and flexible repayment terms.

Key features of short-term loans

• • Speedy Disbursal:

  Get loan approval in as little as 30 minutes, with money in your account following suite - perfect when you need to pay hospital deposits or urgent car repairs immediately.

• • Small Loans from 5,000 to 50,000:

  Designed specifically to cover temporary cash crunches like school fees, wedding expenses, or replacing a broken appliance - without burdening you with years of EMIs.

• • Shorter Repayment Periods:

  Choose installments to match your salary cycle. AFI even offers single Bulleted/Single onetime repayment to make your lending journey a breeze.

• • Paperless Process:

  Complete the entire process from your smartphone - just upload photos of your PAN, Aadhaar and 3 months’ payslips. No need for physical documents or visits to any branches.

• • No Collateral Needed:

  Unlike gold loans or property loans, these are unsecured - your signature and salary proof are all that's required to qualify.

• • Credit Score Friendly:

  Even with CIBIL scores as low as 500, you can qualify. Timely repayment actually helps rebuild your credit history.

• • No End-Use Restrictions:

  Use the funds freely for any legitimate need - medical bills, home repairs, travel, or even to avoid late payment penalties on other bills.

• • Prepayment Options:

  AFI charges zero foreclosure fees - unlike fixed tenure bank loans.

How exactly can people benefit from short-term loans?

Compared to traditional banks, AFI offers approvals for small term loans and short time loan options with minimal documentation and flexible repayment. Borrowers enjoy quick access to funds and the ability to rebuild credit through on-time repayments.

When to Choose a Short-Term Loan Over a Long-Term One?

Medical Emergencies

Immediate disbursal through the Medical Emergency Personal Loan - Ayaan Finserve India helps cover surgery, hospital deposits, or medicines without delay, making a 3–6-month short term loan more practical than long-term EMIs.

Debt Consolidation

Combine multiple high-interest debts into one manageable EMI with lower rates, and repay in 3 - 12 months to clear dues faster.

Holiday or Travel Expenses

Cover flights, hotels, or tour bookings without long-term financial strain.

Festive & Personal Expenses

Get instant funds for weddings, festivals, or celebrations through trusted short term loan lenders like AFI without compromising on plans.

School/College Fees

Pay fees on time to avoid penalties or seat cancellations, with easy repayment in 3– 6 months.

Avoiding Late Payment Penalties

To avoid expensive late fees, pay your rent, utilities, or insurance premiums in advance.

Types of short-term loans?

Payday Loans

While we don't offer traditional payday loans, our short-term personal loans serve similar needs with better terms: lower interest rates and flexible repayment options aligned with your salary cycle.

Trade Credit

For individuals needing business inventory funds, AFI's personal loans provide similar quick financing - offering 5,000-50,000 with transparent repayment plans.

Credit Card Cash Advance Alternative

Rather than costly credit card withdrawals (36%+ interest), this type offers instant personal loans with fixed EMIs - saving you thousands in interest on 50,000 borrowed.

Line of Credit

For repeat-borrower, lenders allows approved customers to access funds multiple times from their sanctioned limit, functioning like a credit line but with fixed-interest EMIs for easier budgeting.

Personal Loans

AFI provides unsecured personal loans from 5,000 to 50,000 with repayment terms of 3-12 ₹ ₹ months. Unlike traditional lenders, we approve loans within 30 minutes using just PAN, Aadhaar and salary proof - perfect for medical emergencies, weddings, urgent repairs, and other situations where a short time loan is ideal.