Personal loans are amongst the easiest and most convenient ways to access funds. Applying online for one is easy, and with advancements in technology, you can get the money you need fairly quickly.


Lenders like Bajaj Finserv offer pre-approved personal loans to help you meet your financial needs in record time. You don’t have to wait for lengthy approval processes, and depending on your profile, the money is made available to you in a matter of hours.


How to get a personal loan with a pre-approved loan offer


Availing of a pre-approved loan offer is simple and requires just a few minutes of your time. You can do it offline by visiting a branch, but it is much better to do it online. For the latter, here are the steps to follow.



  • Step 1: Log on to the Bajaj Finserv Personal Loan webpage

  • Step 2: Click on ‘Check Pre-Approved Personal Loan Offer’

  • Step 3: Fill the form with basic details

  • Step 4: Verify yourself with the OTP and view your loan offer

  • Step 5: Accept the terms and authorise disbursal


Before you avail of a pre-approved loan offer, plan your loan properly. Use the online EMI calculator to know your debt obligation and check the amount you are likely to afford comfortably. The personal loan interest calculator will also show you the total cost of borrowing. Ensure that it aligns with your financial goals so that you don’t borrow more than you can handle.


These quick and easy steps take just a few moments to complete and can be done by anyone. The entire process is very intuitive and optimised to suit any applicant. You are sure to have a smooth experience even if you aren’t tech-savvy. What’s more, by availing the pre-approved loan offer, you also get access to other benefits. Here is a breakdown of the perks you enjoy with a Bajaj Finserv Personal Loan.


Personalised loan offer


A key perk of such an offer is that you get offered a deal that is specialised to suit your profile. You don’t have to apply for a sanction as this amount is already approved and ready for disbursal. Without such an offer, you would have to apply for the loan amount you needed and then wait on approval. This could be a while as lenders have to assess your financial profile to see if you can handle the debt.


Expedited loan processing


Since these loans are pre-approved, one of the most significant advantages is that you don’t have to undergo tedious processing protocols. You don’t have to meet eligibility criteria or submit a long list of documents. Certain customers may even enjoy a completely paperless experience, wherein they need to check their offer and authorise disbursal. Basic documentation may be needed for others, which can be uploaded online to ensure a smooth experience. With a pre-approved loan offer, you may not need to go to the physical branch at all. That in itself simplifies processing and expedites it as well.


Quick disbursal


If you need immediate access to funds, pre-approved loan offers are your best bet. With a Bajaj Finserv loan, you can get money in the bank within 24 hours. As such, this is an instrument you can rely on for quick cash.


Competitive personal loan interest rate


Like the personalised loan amount, pre-approved offers also come with special rates. These offers are intelligently adjusted based on your financial and credit profile. So, if you’re someone with a steady income and an excellent CIBIL score, you’re more than likely to get a great offer – one with a very competitive rate, which may not be available to most other borrowers. In some cases, you may also benefit from concessional rates as part of a promotion or special offer.


Unsecured instruments like the Bajaj Finserv Personal Loan are handy instruments you can rely on in a pinch. No matter the expense, you can’t go wrong with it. What’s more, this loan has no spending restrictions, and you can enjoy complete freedom. Finance a wedding in your family, pay tuition costs for higher education, address medical emergencies, renovate your home, or plan a vacation. You can do it all with this loan.


A pre-approved loan offer is arguably the best and quickest way to get this personal loan. Apply online if you don’t have an offer, and this process is just as easy. All you have to do is fill a simple form, enter the loan details, upload documentation, and await approval. For an easy borrowing experience, be sure to pick the Bajaj Finserv Personal Loan. 


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