If you’re a salaried Indian professional in need of quick funds, personal loans with no collateral from Ayaan Finserve India (AFI) offer a 100% digital, hassle-free solution. With competitive interest rates, flexible tenures, and zero collateral requirements, our loans are tailored to fit your financial needs - for emergencies, travel, education, or debt consolidation
Take advantage of AFI’s low rate personal loans unsecured and enjoy stress-free repayment with reasonable EMIs.
Close your loan early without extra fees to keep repayment flexible and maintain interest costs.
Complete the application in minutes via our secure portal. Moreover, with mobile login support, you can apply and track your loan status instantly from your phone with no branch visits, no delays.
Our personal loans with no collateral mean you are not required to pledge assets such as gold or real estate, unlike secured loans. Creditworthiness and income are the main factors that determine approval.
Choose a tenure (3–36 months) that aligns with your budget using our personal loan EMI calculator.
Pay for travel, home improvements, weddings, medical expenses, or even the consolidation of high-interest credit card debt.
Forward in your PAN, Aadhaar, pay stubs, and bank statements for immediate approval (usually within 30 minutes).
A credit facility that is extended without the need for collateral is known as an unsecured personal loan. The following criteria are used by Ayaan Finserve India (AFI) to determine your eligibility:
• Credit score (CIBIL ≥ 500 accepted by AFI).
• Stable income (salaried professionals with 30,000+ monthly income).
• Work history (at least one year at the current position).
Since no collateral backs the loan, interest rates may be slightly higher than secured loans. AFI ensures transparency with no hidden charges.
Opt for this loan when:
✔ You lack collateral (e.g., don’t own property/gold to pledge).
✔ You need urgent funds (Approval in 30 minutes).
✔ You prefer to keep things simple - less paperwork and avoid lengthy approvals.
✔ Your need is short-term, anywhere between 5,000 and 50,000.
We verify applications through:
• CIBIL Check: A credit score of at least 500 (flexible for stable incomes).
• Employment Proof: Salary statements (3 months) serving as employment proof and employer ID.
• Bank Statements: 6-month history.
• KYC Docs: PAN, Aadhaar, and address proof.
No Guarantors or Collateral Required with AFI Personal Loans!