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Instant Personal Loans
up to 10 Lacs

Find out how much you can borrow in just a few clicks.
No paperwork, no hidden steps just quick and clear results.

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Why Choose VITTUS

Experience the fastest and most convenient way to get personal loans in India

Instant Loan Matching

Get matched with the right lenders instantly based on your profile.

No Hidden Charges. Ever

Transparent pricing with zero surprises at any stage.

100% Digital & Paperless

Apply and get approved online with a seamless digital process.

Compare Before You Borrow

Explore multiple loan options to choose what works best for you.

Better Rates, Better Choices

Access competitive interest rates with flexible loan options.

Get Your Personal Loan in 4 Simple Steps

Our streamlined process ensures you get funds when you need them most

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EMI Calculator
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Personal Loan FAQ's

Find answers to common questions about our loan products and processes

Generally yes, if you are a salaried individual with regular income or a self-employed professional with documented income. Common equirements:page 21-60 years, minimum monthly income (typically ₹15,000-25,000 for salaried), credit score of 700+ for competitive rates, and 6-12 months in current job (or 2+ years in business for self-employed). Criteria vary by lender.

Typically ₹10,000 to ₹10 Lakh, depending on your income, credit score, existing EMIs, and the lender’s policy. Some lenders offer higher amounts for premium profiles. LoanVittus assesses your profile and provides an estimated eligibility range.

PAN and Aadhaar, last 3-6 months salary slips (salaried), 6-12 months bank statements, Form 16 or ITR for last 1-2 years, and employment proof. Self employed applicants may also need business registration and financials. Requirements vary by lender.

No. Personal loans are unsecured no collateral, property, or guarantor is typically required. Approval is based on your income, credit score, and repayment capacity.

Market rates generally range from 10% to 24% p.a., depending on your credit profile, income, loan amount, and lender. Higher credit score and stable income get you a lower rate. Rates may vary based on borrower profile, lender policy, and economic conditions. LoanVittus does not set rates.

LoanVittus offers instant personal loan disbursal for eligible, pre-approved applicants funds can hit your account within minutes of final approval. In some cases, depending on document verification or additional lender checks, disbursal may take 1-2 working days. Our fully digital process ensures there are no avoidable delays at any stage.

Generally 1% to 3% of the loan amount, varying by lender. Some lenders waive fees during promotional periods. Always check the total cost of the loan including fees before accepting an offer.

Yes. For floating-rate personal loans, RBI guidelines prohibit foreclosure charges for individual borrowers. For fixed-rate loans, a fee of 2-5% of outstanding principal may apply. Check your loan agreement for specific terms.

Missing an EMI can lead to penal interest (typically 1-2% per month on overdue amount), negative impact on your credit score (reported to CIBIL),and if payments stay overdue beyond 90 days, NPA classification that severely impacts future borrowing. Set up auto-debit or maintain a repayment buffer.

Most lenders prefer 700+ for competitive rates. Some accept 650–700 at higher rates. Below 650 significantly reduces approval chances for personal loans. LoanVittus helps you understand where you stand and what you can improve.

We can assess your profile and suggest steps to improve eligibility clearing outstanding dues, reducing existing EMI burden, or waiting for negative remarks to age out. We may also help explore lenders with more flexible requirements. However, we cannot guarantee approval for low-score profiles.

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