Fast Approval | Quick Disbursal | Compare Multiple Banks

Need Funds For Personal Expenses?

Option Credits Services Pvt Ltd Helps You Explore Personal Loan Options From Leading Banks And NBFCs. The Idea Is Simple — Understand Your Options Clearly And Move Ahead Without Unnecessary Hassle.

  • Loan Amount Based On Eligibility
  • Minimal Documentation
  • Simple Approval Process
  • Compare Offers From Different Banks
  • Service Available Across Kerala
Personal Loan
15,000+
Loans Approved

Why Choose Option

Multi Bank Comparison

Instead of approaching one bank at a time, we check with multiple lenders to see which option, interest rate, and EMI structure may suit you better.

Eligibility Check

We look at your income details, CIBIL score, and job profile to understand how much loan amount may be possible.

Low CIBIL Assistance

CIBIL Around 650? We Can Still Speak To Banks And See What May Work, Depending On Their Policies.

Quick Processing

We regularly follow up with lenders to help keep your application moving.

Flexible Usage

The Loan Can Be Used For Medical Expenses, Travel, Education, Home Needs, Or Any Personal Reason.

Better Rate Options

Since We Work With Different Lenders, You Get To Review More Than One Offer Before Deciding.

Eligibility

Planning To Apply For A Personal Loan? Here's What Most Lenders Usually Look At.

Basic Requirements

  • Age: 21 To 60 Years
  • CIBIL Score: 700+ Preferred
  • Regular Source Of Income
  • Job Type: Salaried Or Self-Employed

Profiles That May Be Considered

  • Government and PSU employees
  • Corporate Salaried Staff
  • Self-Employed Professionals
  • Minimum Salary 20000
  • Rental Or Agricultural Income Profiles
  • Case-Based Bank Programs
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Loan Types Under Personal Loan

Different Options May Be Available Depending On Your Profile And Requirement

Standard Personal Loan

Get Funds For Your Immediate Needs With Fixed EMIs.

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Balance Transfer

Shift Your Existing Personal Loan If Better Terms Are Available.

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Top-Up On Existing Personal Loan

Already Running A Loan? Additional Funds May Be Checked Based On Eligibility.

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Documents Required

Documents may vary based on lender and profile

For Salaried Applicants

  • PAN Card
  • Aadhaar Card
  • Last 3 Months Salary Slips
  • Last 6 Months Bank Statement

For Self Employed

  • Pan Card
  • Aadhaar Card
  • ITR (last 2 years)
  • Last 6 Months Bank Statement

Feel Free To Use Our EMI Calculator

Monthly Payment (EMI)
₹12,674
Total Interest
₹1,08,362
Total Amount
₹6,08,362
Personal Loan

Eligibility Checker

Personal Loan FAQ Section

Option Credits Services Compares Personal Loan Offers From Multiple Banks And NBFCs, Helping You Get The Best Interest Rate And Terms. We Handle The Application, Document Support, And Follow-Up Right Through To Disbursal.

A personal loan is an unsecured loan offered by banks/NBFCs for personal expenses like medical needs, education, travel, home renovation, or emergency requirements

Salaried Employees, Self-Employed Professionals, And Business Owners Are All Eligible To Apply. A Good CIBIL Score, Stable Income, And Valid ID/Address Proof Are Generally Required By Most Lenders.

Generally Required Documents Include PAN Card, Aadhaar Card, Last 3 Months Salary Slips Or ITR, And Last 6 Months Bank Statements. Our Team Will Help You Confirm The Exact List Based On Your Lender And Profile.

Personal Loan Amounts Depend On Your Income, CIBIL Score, Employment Type, Existing EMI Obligations And The Lender's Policy. Generally, You Can Get Anywhere Between ₹50,000 To ₹40 Lakhs Depending On Your Eligibility.

Get Your Personal Loan Today

Our financial advisors are ready to help you find the best personal loan. No obligation, completely free consultation.

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Compliance Disclaimer: Option Credits Services Pvt Ltd is a loan and financial product facilitation company and not a bank or lending institution. Loan approvals, interest rates, funding limits, credit card approvals, and terms are subject to respective bank/NBFC policies and RBI guidelines.