Luxury lifestyle in your 20s? Here’s the smartest way to get there

You’re in your late 20s, earning well, saving smart—but is that all there is? Friends are moving into better apartments, taking international trips, and embracing the finer things. It’s not about showing off—it’s about enjoying what you’ve worked for.

Why wait until your 40s? You deserve a luxury lifestyle now. Not extravagance—just a luxury life that feels rewarding and full.

But savings take time, and dreams can’t always wait. That’s where a personal loan comes in. With FIRSTmoney from IDFC FIRST Bank, you can apply for a personal loan online and access funds faster—no stress, no hidden traps.

It’s a smart way to start living better sooner. Ready to explore how?

What is a luxury lifestyle in your 20s?

Your 20s are all about defining who you are and laying the groundwork for your future. Living well at this stage doesn’t mean spending like a millionaire. It means choices that bring:

1. Comfort in your everyday life
2. Convenience that supports your goals
3. Confidence in who you are and how you live

Luxury here isn’t defined by price tags. It’s about quality, intention, and choosing what genuinely adds value—without overspending. Sometimes, achieving this comfort and convenience requires financial support. This is where apply for your personal loan* offers a practical solution with:

1. Loans up to ₹10 lakh, based on your needs and eligibility
2. Competitive interest rates starting at just 9.99% p.a., calculated on a monthly reducing basis
3. Flexible tenures up to 60 months to match your financial goals
4. A fully digital application process with minimal documentation
5. The ability to repay your loan early without additional charges

FIRSTmoney can help you make thoughtful financial decisions for a luxury lifestyle.

*Eligibility criteria include a CIBIL score of 730 or above and an age between 21 and 60 years.

Realising your luxury goals: What does this upgrade look like?

Applying for a loan for personal use doesn’t always mean splurging on luxury. Sometimes, it’s about making smart, thoughtful upgrades that improve everyday life. With the right loan for personal use, you can focus on meaningful changes that bring comfort, convenience, and confidence into your routine. From upgrading your home to investing in self-care or better tech, even small enhancements can go a long way in elevating your lifestyle.

If you're wondering what this upgrade can look like, here are a few suggestions:

Upgrade your car for a smoother ride

Are you tired of public transport or the limitations of your current vehicle? A personal loan can help you purchase a car that matches a luxury lifestyle. You will have a vehicle that not only looks good but also makes your daily commutes and weekend trips more luxurious.

Make your apartment feel like a home

Moving to a better apartment is a big step for anyone. From a proper work desk to a mattress for restful nights, every choice can improve your quality of life. You can:

a. Move into a better neighbourhood
b. Secure a more spacious apartment
c. Invest in stylish furniture that adds warmth and comfort

The best part? You don’t have to wait years to live in a place that truly feels like home.

Travel to places you’ve always dreamed of

Whether it’s a dream vacation or an opportunity to explore a new culture, a personal loan can make it possible. You can:

a. Travel in comfort
b. Stay in quality accommodations
c. Immerse yourself in experiences that enrich your luxury lifestyle

You can enjoy all of this without stretching your budget to the limit.

Host the event you’ve always envisioned

Planning a wedding, engagement party, or even a milestone birthday? A personal loan can help you organise the event you’ve been dreaming of. It allows you the financial flexibility to celebrate without compromising on quality.

Invest in your personal growth

Are you also thinking about upgrading your skills, learning something new, or pursuing further studies? A personal loan can make it happen. You can invest in your education or professional development. This, in turn, enhances your personal and career growth—key pillars of a luxury lifestyle.

These upgrades can help you create a lifestyle that feels both aspirational and attainable. With FIRSTmoney, you have access to a flexible, hassle-free way to build the luxury lifestyle you deserve on your terms.

Step-by-step: How to upgrade your lifestyle with a personal loan

Here’s a simple guide to walk you through it:

Step 1: Identify what luxury lifestyle upgrade you want.

Step 2: Set a clear budget based on your goal.

Step 3: Check your loan eligibility online with IDFC FIRST Bank.

Step 4: Apply for a FIRSTmoney personal loan online.

Step 5: Get approval and quick disbursement of funds.

Step 6: Use the funds for your planned lifestyle upgrade.

Step 7: Track EMIs using digital tools and manage repayments.

Step 8: Enjoy your upgraded lifestyle while staying financially on track.

How to manage your personal loan responsibly

Living a luxury lifestyle isn’t just about knowing how to spend—it’s also about knowing how to manage your money wisely. Comfort today should never become a burden tomorrow. That’s where smart debt management steps in.

If you're planning to take a loan or already have one, here are some practical steps that can help you stay in control and make the most of it:

1. Borrow only what you truly need—don’t be tempted to take more just because you’re eligible
2. Choose a repayment plan that fits your income so equated monthly instalments (EMI) stay manageable each month
3. List out exactly what the loan will cover and stick to that plan to avoid overspending
4. Use personal loan EMI calculators and payment reminders to stay on track
5. Always pay EMIs on time to protect your credit score and build a strong financial profile
6. Avoid taking multiple loans at the same time—focus on managing one loan well
7. If possible, make early repayments using bonuses or extra income; FIRSTmoney charges no penalties for this

A luxury lifestyle doesn’t mean losing financial control. In fact, true indulgence is having choices. It includes staying in charge of your finances while enjoying the benefits of your lifestyle upgrades.

Why choose FIRSTmoney for a lifestyle upgrade?

Upgrading your lifestyle doesn’t mean using up all your savings. By choosing FIRSTmoney, here’s what you get:

1. Attractive interest rates starting at 9.99% p.a. for eligible customers (terms and conditions apply)

2. Zero foreclosure charges — repay your loan anytime without extra fees 

3. Flexible tenure options and EMI repayment date selection to suit your schedule 

4.  Access multiple loans anytime, anywhere, for added financial flexibility 

5. Exclusively designed for individuals with a credit score of 730 and above

6. Quick and hassle-free digital application process with video KYC facility and minimal documentation 

7. Recognised among the World’s Best Banks 2025 by Forbes in partnership with Statista

With FIRSTmoney, you’re in control of how and when you reach your goals for a luxury lifestyle.

So, are you ready to take the next step in upgrading your lifestyle? Find out how an IDFC FIRST Bank FIRSTmoney Personal Loan can help you achieve your dream lifestyle today.