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Borrow smart: a personal loan is unsecured, so the interest rate and amount you get depend heavily on your credit score, income and existing EMIs. A little preparation can save you thousands.
3 quick tips before your call
1
Compare the APR, not just the interest rate. The APR includes the processing fee and charges, so it shows the loan's true cost. A lower headline rate with a high fee can cost more than a slightly higher rate with no fee.
2
Keep your EMIs under 40% of income. Lenders check your FOIR (total EMIs ÷ monthly income). Staying under 40% improves approval odds and gets you a better rate. Closing a small existing loan before applying can help.
3
Check the prepayment & foreclosure terms. Prefer a loan that lets you prepay with low or nil charges — paying off early saves a lot of interest.
Example: on a Rs 5 lakh loan at 14% for 5 years, prepaying after year 2 can save you Rs 50,000+ in interest.
