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Getting a personal loan with a PAN card is a very easy process, as most lenders now prefer PAN cards as identification proof for personal loans. A PAN Card can give them a detailed account of your financial status and repayment capacity. This makes personal loan application with a PAN card much simpler than using other proofs.
With a PAN Card, you can apply and get personal loans from Rs. 5,000 to Rs. 20 lakhs.
You can avail of personal loans for an interest rate as low as 12%.
Note: Your interest rate depends on your credit score. The higher your credit score, the lower your interest rate.
Once you have completed your application process, you can get your application verified and approved in just under 3 minutes. Your loan amount will also be disbursed to your bank account within 24 hours of approval.
Personal loans are unsecured. You do not need to submit any collateral like shares, property, gold, etc. You can get loan approval if you fit the eligibility criteria and submit the required documents.
You get a flexible tenure of 9 to 42 months for a personal loan. You can choose the tenure that suits your financial needs and repay the amount in monthly installments.
There are no restrictions on what you can use the loan amount for. You can use it to pay for a wedding, a medical emergency, education, travel, etc.
The entire process, starting from application to cash disbursal, is digital, so you don’t need to travel between your home and the bank to apply for a personal loan. You can apply online for a PAN Card loan.
The eligibility criteria for a personal loan application vary from lender to lender. At Housing.com, we have a set of eligibility requirements that an applicant should meet for us to approve their loan. Below are those eligibility requirements.
In addition to your PAN card, you will also be required to submit the following documents while applying for your personal loan.
Proof | Document required (any one in each category) |
Photo Identity Proof |
1. Aadhar Card 2. Driving License 3. Voter’s ID 4. Passport |
Address Proof |
1. Aadhar Card 2. Ration Card 3. Utility Bill(electricity, telephone, gas, water, etc.) - the bill must be within 2 months 4. Passport 5. Driving License |
Income Proof |
1. Salary slips with Form 16 (from the last 3 months) 2. Bank statements with salary credit (within 3–6 months) |
Photograph |
Colored passport-size photo |
Proof of investment (if any) |
1. Fixed assets 2. Fixed deposit 3. Shares, etc. |
Proof of existing loans (if any) |
Payment track record & sanction letter |
Still have questions? Reach us now.