M E R I D I A N

Welcome to Meridian Your Trusted Financial partner

Personal Loans

shape
shape
🤝 Personal Loans

Meet your individual financial goals with our personal loans offering flexible terms and competitive rates.

Instant Approval

Instant Approval

Get your loan approved in minutes, and experience ultra-fast disbursal directly into your bank account within 24 hours.

100% Digital Process

100% Digital Process

Apply, verify, and track your loan application entirely online from the comfort of your home. No physical branch visits required.

No Hidden Charges

No Hidden Charges

We make sure there are no hidden costs. Our transparent structure clearly explains everything before you apply for the personal loan.

🤝 KEY FEATURES

Key Features of Our Instant Personal Loan

We offer generous loan amounts ranging from ₹50,000 to ₹25 Lakh to cover all your financial needs. Combine this with flexible repayment tenures ranging from 9 to 60 months to ensure your EMI fits perfectly within your budget.

Get an instant personal loan at incredibly competitive pricing. Our interest rates start at just 12.14% p.a., ensuring that your cost of borrowing remains affordable throughout the loan lifecycle.

Get an unsecured instant personal loan without the stress of pledging collateral or guarantors. We focus on your creditworthiness, making the application process faster and highly accessible.

You have the freedom to choose your specific loan amount and tenure to align with your financial goals. Plus, our dedicated loan experts extend full support to make your documentation simple and swift.
🤝 ELIGIBILITY

Eligibility Criteria for Instant Personal Loan

We offer one of the most convenient and straightforward eligibility criteria for instant personal loan applications. To ensure a hassle-free loan approval process, review our key requirements below.

Age Criteria

To apply for a personal loan, the applicant must be between 25 and 58 years of age.

Employment

We provide funding to both Salaried (Private/Govt) and Self-employed individuals.

Income Criteria

Salaried: Min ₹25,000/mo.
Self-Employed: Min ₹3 Lakh annual income.

Credit Score

We offer Instant personal loans to applicants maintaining a healthy credit score of 750 and above.

shape
shape
🤝 PAPERWORK

Documents Required

Get Started
KYC Documents

To ensure a seamless personal loan application, please provide your fundamental identity and address verification documents. This ensures swift processing and verification of your profile.

  • Aadhaar Card
  • PAN Card
  • Voter ID
  • Passport
Contact Us
Income Proofs

To evaluate your eligibility and authorize your requested loan amount, we require documentation that accurately reflects your earnings over the recent period.

  • Bank Statement for the Previous 3 Months
  • Salary Slips of the Last 3 Months
Contact Us
🤝 FEES & CHARGES

Personal Loan Interest Rate and Charges

Feature & fees Details
Loan Amount Min ₹ 50,000 to max ₹ 25,00,000
Interest Rates 12.14%* p.a onwards
Loan Tenure 9 - 60 months tenure
Processing Fees Up to 5% of the loan amount + applicable taxes
Pre-Closure & Part Payment Fee 3% of the principal amount + applicable taxes
Part Pre-Payment of Personal Loan 3% of Principal Paid + GST
Personal Loan Pre-Closure Charges 3% of Principal Outstanding + GST
Stamp Duty At actuals + Applicable taxes
Cash/ Overdue EMI/PEMII collection Charges ₹ 500 + applicable taxes
EMI Date Change ₹ 1000 + applicable taxes
Loan Repayment Instrument Dishonor Charges ₹ 750
Loan cancellation after disbursal/cheque handover ₹ 3,000 + Interest accrued & due + Applicable taxes
testimonial-video-thamb
🤝 SUCCESS STORY

Customer experiences with us

Signing the agreement and completing the documentation with Meridian was seamless and straightforward. Their team guided me through every step, ensuring I understood all the details. I felt confident and well-informed throughout the entire process.

Michael Smith

Satisfied Client

The process with Meridian was incredibly smooth. From signing the agreement to completing the documentation, their team made sure everything was clear and easy to follow. I felt supported every step of the way. Working with Meridian was a breeze! Their expert guidance made the paperwork simple.

Emily Martin

Satisfied Client

The agreement process with Meridian was hassle-free and efficient. Their team ensured I understood every detail and made the documentation straightforward, giving me confidence throughout the entire journey. Meridian’s team made the entire agreement and documentation process seamless.

Brian Clark

Satisfied Client

🤝 COMPLIANCE & ETHICS

Regulatory Compliance & References

We follow all Reserve Bank of India (RBI) regulations for lending and financial transactions. Key regulatory aspects include:

Visit RBI Website

Loan Disbursal & Interest Rates

Governed by RBI’s fair lending practices.

Processing Fees & Charges

In compliance with RBI’s guidelines on transparent lending.

Loan Recovery & Asset Seizure

Adheres to RBI’s legal framework, ensuring ethical loan recovery practices.

Credit Bureau Reporting

Loans are reported to credit bureaus per RBI directives.

logo

Your trusted partner in every financial journey!

Apply for a Personal Loan here
Meridian Logo
back top