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Personal Loans for Salaried Professionals

Earning ₹45K+? Check eligibility & get up to ₹2 Lakh. Apply Online

ECS Credit

Rates & Charges

₹5,000

Minimum loan amount

₹2,00,000

Maximum loan amount

3 to 12 Months

Repayment Tenure (up to 365 days)

Up to 10% of Loan Amount + GST

Processing Fee

NIL

Prepayment Charges

NIL

Pre-Closure Charges

15% to 34% per annum

APR (Annual Percentage Rate)

₹1000 (per bounce)

Cheque Bounce Charges
Example

How We Serve You : Representative Example

₹100000

Loan amount

12

Tenure (month)

27% per annum

Interest Rate

10% + GST (₹10,000)

Processing Fee

34% per annum

APR, Effective

₹90,000 (after fee deduction)

Amount Disbursed

₹9135

Monthly EMI

₹15620

Total interest

₹115620

Total Repayment Amount

DISCLAIMER: The above representative example is for illustrative purposes only. Actual loan amount, interest rate, APR, processing fee, and EMI will vary based on your credit profile and eligibility. All loans are subject to approval.

Why Us

Why Choose ECS for Quick Personal Loans?

Minimal Documentation

The minimal documentation is always beneficial to avoid a lengthy process.

Quick Loan Process

Get approved faster with an easy application and smooth processing.

Fast, secure, and transparent

The lending process is secure and transparent

Fast Disbursal

The fast disbursal of a personal loan can help manage cash easily.

No Hidden Charges

No additional or hidden charges are applied to the personal loan.

Quick Eligibility Check

Verify your eligibility in minutes with a simple, hassle-free process.

Personal Loan

Loan Solutions for Your Needs

Home Improvement Expenses

Medical Expenses Support

Lifestyle Expenses

Bill Payment Support

Travel Expenses

Consumer Durable Expenses

Personal Loan

Multi-Purpose Personal Loan

General Faqs

Frequently Asked Questions

  • Q. How can I easily apply for a personal loan?

    You can go to the website directly, where you will be able to apply for the loan without any lengthy process. To apply for the loan, go to the apply now page, with all the details you have to fill the application form.

  • Can I use the personal loan amount for household needs?

    Yes, the loan amount borrowed through the personal loan can be used as per your needs. There are no restrictions on the usage of a personal loan. And, therefore, you can choose it for multiple purposes.

  • What are the charges applied to the personal loan?

    We apply the interest and processing fees only on the personal loan, where you can borrow with competitive interest and fees. You can also negotiate with your lower credit score.

Let’s check your eligibility, which is based on multiple factors.

Age: Must be between 25 to 59 years old

Income: At least 45,000+/ Month

Credit Score: Above 650

Nationality: Indian / Employment Types: A private limited/ registered company or anyone with a government job.

Documents: Aadhar, PAN, Salary slip, Bank statements, utility bills, ITR, rent agreement, business registration, etc

Process

Easy Steps to Finish

01 Step

Fill the Application Form

Complete the online application form with accurate details.

02 Step

Upload Required Documents

Submit your documents securely for verification.

03 Step

Application Review & Disbursal

Application reviewed → if approved → money credited to your bank account.