Wedding
Cover venue, vendors, and celebrations without drawing down long-term savings.
Typical: ₹2–15 Lakhs
Bank-level security
We use bank-level security to protect your data and only share it with our trusted partners.
Why only a few details?
We keep it simple and fast. You’ll share more details only with the partner you choose.
We show you only the partners where you’re eligible
We check with multiple lenders and hide those where you already have an existing application.
Step by step
How short-term loans work
From eligibility check to disbursal — here is what to expect at each step.
100% onlineDone in under 10 minutesFunds in 24–48 hoursNo credit score impact
Step 1
Check eligibility
Share a few details about your income and loan requirement. This check does not affect your credit score.
~2 min·You share details
Step 2
Compare offers
Review rates, EMIs, and terms from RBI-regulated lenders matched to your profile.
~3 min·You review & pick
Step 3
Complete verification
Finish KYC and income checks with your chosen lender — most of this can be done online.
~5 min·Identity check
Step 4
Submit documents
Upload PAN, Aadhaar, income proof, and bank details through a secure digital flow.
~2 min·You upload
Step 5
Receive funds
After approval, the loan amount is credited directly to your bank account.
24–48 hrs·Automated
Step 6
Repay on schedule
Pay fixed EMIs via auto-debit or manual payment, as agreed with your lender.
Monthly·Ongoing
Soft check only · Zero credit score impact
Typical eligibility snapshot
Most salaried professionals aged 23–45 qualify instantly
- Age
- 18–60 years
- Income
- ₹20,000+ per month
- Employment
- Salaried or self-employed
- Work experience
- 1 year or more
- Credit profile
- Consistent repayment history helps
Lender requirements vary. NeoFinQ matches you only to lenders whose criteria fits your profile.
Requirements
Eligibility criteria
Requirements vary by lender, but most applications are assessed on the following.
82%
Avg. approval rate
35+
Lender partners
60s
Eligibility check
Only eligibility is evaluated
Documentation
Documents you will need
Having these ready helps you move faster once you choose an offer.
PAN card
Used to verify your identity and pull your credit profile with bureaus.
- Required for all loan applications
- Used for tax and identity verification
- Must match the name on your application
Quick note
Keep a clear photo or PDF handy — most lenders accept digital uploads.
Aadhaar card
Confirms your identity and address during KYC.
- Front and back copy
- e-KYC supported by many lenders
- Speeds up verification
Quick note
Aadhaar e-KYC can shorten verification time with several partners.
At a glance
Your complete document checklist
PAN Card
Identity & credit verification
Aadhaar Card
e-KYC supported by most lenders
Last 3 salary slips
Or 2 years ITR if self-employed
Form 16 / ITR
For self-employed applicants
6-month bank statement
Downloaded PDF accepted
Cancelled cheque
For disbursal & auto-debit setup
100% digital. No physical submission or courier needed. Most lenders accept PDF or image uploads through a secure portal.
Use cases
Common ways people use short-term loans
Borrow for planned expenses or unexpected costs, with EMIs you can plan around.
Travel
Book trips upfront and spread the cost over manageable monthly EMIs.
Typical: ₹50K–5 Lakhs
Medical expenses
Access funds quickly when treatment or hospital bills need immediate attention.
Typical: ₹1–10 Lakhs
Home renovation
Pay for repairs, interiors, or upgrades with a fixed repayment schedule.
Typical: ₹2–20 Lakhs
Education
Fund tuition, coaching, or upskilling programs for yourself or family.
Typical: ₹1–10 Lakhs
Debt consolidation
Roll high-interest dues into one EMI that is easier to track and repay.
Typical: ₹1–25 Lakhs