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Nobody wants to wait in long queues or fill out piles of paperwork for a personal loan. All thanks to digital banking, availing an instant loan approval is now possible - right from your phone. With trusted platforms like IDFC FIRST Bank’s FIRSTmoney smart personal loan, you can get a paperless loan of up to ₹10 lakh with zero need for stepping out of your home.
Here is how you can get a loan in just a few minutes - safely, smartly, and instantly.
What is a digital personal loan?
A digital personal loan is an unsecured loan you can apply for online - no collateral, no paperwork, and no branch visits. It is ideal for covering financial emergencies like medical bills, home repairs, education expenses, or even planned events like weddings or travel.
IDFC FIRST Bank offers FIRSTmoney smart personal loan, where the process is entirely online and extremely user-friendly.
Key features of IDFC FIRST Bank’s FIRSTmoney smart personal loan
Here’s what makes FIRSTmoney unique:
• Instant loan approval and disbursal within 30 minutes
• 100% paperless loan process
• Loan amount up to ₹10 lakhs, based on your eligibility
• Zero foreclosure charges – repay early whenever you want between 9 to 60 months, without penalties
• Flexible tenures to suit your income and budget
• No hidden charges, and low interest rates starting from just 9.99% p.a.
How to apply for a loan in just 5 minutes?
Getting a loan from IDFC FIRST Bank is simple and quick. Here’s how:
1) Visit the FIRSTmoney portal or scan the QR code on your screen.
2) Register using your mobile number.
3) Enter your basic details to check eligibility instantly.
4) Select your loan preferences.
5) Link your bank account
6) On KYC and approval, you will receive the loan proceeds in your account within 30 minutes.
Who can apply?
To be eligible for an instant paperless loan from IDFC FIRST Bank:
• You must be between 21 and 60 years of age
• Be a salaried or self-employed individual
• Have a CIBIL score of 730 or above
All you need is your PAN card for the video KYC. No need to upload any documents!
Why choose a digital loan?
Here’s why applying for a digital loan today is the most preferable option:
• No branch visits: Apply from your home, office, or even while travelling
• Completely paperless loan: Saves time and effort
• Instant loan approval: No delays, no guesswork
• Transparent terms: Know your EMIs and interest upfront
Final thoughts
Gone are the days when loans meant long waiting periods and paperwork. With IDFC FIRST Bank’s FIRSTmoney smart personal loan, you get a secure, digital, and efficient way to borrow money without any hassle. Whether it is an emergency or a planned purchase, getting a loan in 5 minutes is now just a few clicks away.
Take full control of your financial needs - with speed, flexibility, and complete transparency.
Frequently Asked Questions
Yes, with IDFC FIRST Bank’s FIRSTmoney, you can get a paperless loan online without physically visiting a bank.
With FIRSTmoney smart personal loan can get instant loan approval and receive the money in your bank account within 30 minutes.
With FIRSTmoney smart personal loan you need just your PAN card to complete the video KYC. No uploads or physical documents are needed.
Absolutely. IDFC FIRST Bank uses secure platforms and encrypted systems, ensuring your personal and financial data remains safe.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.