₹5,000 – ₹25,000 in hours, not days
A short-tenure personal loan for real-life emergencies — approved digitally, disbursed the same day.
Small-ticket credit, done right
Privena's Quick Loan is built for the moments life doesn't wait for — a hospital bill, a broken laptop, a pending EMI. Apply in two minutes, get an AI-powered decision instantly, and see the money in your bank account the same day. All under India's RBI Digital Lending Directions, 2025.
- Loan amount: ₹5,000 – ₹25,000
- Tenure: 3 – 6 months
- Interest: 2.5% – 3.0% per month (36% – 42% APR)
- Processing fee: 3% – 4%
- Zero collateral, no guarantor
- Fully digital KYC — PAN + Aadhaar + bank statement
- Same-day disbursal on approval
- Foreclosure allowed
Common use cases
Medical emergencies
Cover unexpected hospital bills before insurance reimbursement.
Urgent repairs
Fix a vehicle, appliance or home issue without breaking your savings.
Bridging a salary gap
Tide over a delayed pay-cheque or short-term cash crunch.
Utility & rent shortfalls
Avoid late fees on rent, electricity or credit-card bills.
EMI by amount and tenure
Indicative monthly instalments at about 2.75% per month on a reducing balance. Your own rate is set after credit assessment and shown in the Key Fact Statement.
| Loan amount | 3 months | 4 months | 6 months |
|---|---|---|---|
| ₹5,000 | ₹1,785 | ₹1,225 | ₹935 |
| ₹10,000 | ₹3,570 | ₹2,450 | ₹1,870 |
| ₹15,000 | ₹5,355 | ₹3,675 | ₹2,805 |
| ₹20,000 | ₹7,140 | ₹4,900 | ₹3,740 |
| ₹25,000 | ₹8,925 | ₹6,125 | ₹4,675 |
How these rates sit against the market is covered in our guide to personal loan interest rates in India.
Who qualifies
- Indian resident, aged 21 to 58, with PAN and Aadhaar
- Regular monthly income credited to a bank account
- 3 to 6 months of bank statements available digitally
- A bank account in your own name for disbursal and NACH
- New to credit or a thin bureau file is acceptable
- No existing overdue loan or credit card
No salary slip? Read how to get a loan without a salary slip, or run the 30-second eligibility check.
Quick loan questions
- How quickly can I get ₹10,000?
- Same day in most cases, and often within about two hours of approval when eKYC, the bank statement and the NACH mandate are completed in one sitting on a banking day.
- What is the EMI on a ₹10,000 quick loan?
- Roughly ₹3,570 over 3 months, ₹2,450 over 4 months or ₹1,870 over 6 months at about 2.75% a month on a reducing balance.
- Can I get a small loan without a salary slip?
- Yes. Bank-statement cash flow, UPI inflows and income consistency are assessed instead, which is how gig and self-employed applicants qualify for small-ticket loans here.
- Why is the rate higher than on a large personal loan?
- Small, short-tenure unsecured loans carry a fixed processing cost spread over a small amount and a short period, so the annualised rate is higher. The APR of 36% to 42% is disclosed in the Key Fact Statement before you accept.
- Will applying hurt my credit score?
- The eligibility check is a soft enquiry with no impact. A hard enquiry is only made when you proceed with a full application.
Representative APR includes interest and processing fees. Final rate, fee and approved amount depend on credit assessment. Also see our Personal Loan (₹25K–₹75K) for larger, longer-tenure needs.