Personal Loan
Quick, unsecured funds for any personal need.
Medical emergencies, travel, home renovation, or any personal requirement — get funds fast with minimal documentation and no collateral required.
Apply Now10.5%+
Interest Rate
₹40 L
Max Loan Amount
5 Yrs
Max Tenure
24–48 Hrs
Disbursal
Why Choose a Personal Loan Through Kozynex?
No Collateral Required
Personal loans are fully unsecured — no property or asset needs to be pledged as security.
Quick Disbursal
Funds can be disbursed within 24–48 hours of approval for eligible profiles with complete documentation.
Flexible End Use
Use the funds for any purpose — medical, travel, education, wedding, home renovation, or debt consolidation.
Minimal Documentation
Simple paperwork with basic KYC, income proof, and bank statements. No lengthy processes.
Competitive Rates
We compare rates from multiple lenders to ensure you get the most competitive offer for your profile.
Zero Borrower Fees
Our service is completely free for borrowers. We are compensated by the lender, not by you.
Eligibility Criteria
- Indian resident, aged 21–58 years
- Salaried employees of reputed companies
- Minimum monthly net salary of ₹20,000
- Minimum 1 year of work experience (6 months with current employer)
- CIBIL score of 700 or above preferred
- Self-employed professionals with stable income also eligible
Documents Required
- PAN Card and Aadhaar Card
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / Income Tax Returns
- Employment ID or offer letter
- Passport-size photographs
Frequently Asked Questions
How quickly can I get a personal loan?
For eligible profiles with complete documentation, disbursal can happen within 24–48 hours of approval.
Can I prepay my personal loan?
Yes, most lenders allow prepayment after a lock-in period. Foreclosure charges vary by lender — we will inform you upfront.
What is the maximum personal loan amount?
Most lenders offer up to ₹40 lakhs for personal loans, subject to your income, credit score, and existing obligations.
Does Kozynex charge any fee?
No. Our services are completely free for borrowers. We are compensated by the lender as a registered DSA/LSP.
Need Funds Fast?
Apply for a personal loan today — quick approval, competitive rates, zero fees.