Get an Instant ₹4 Lakh Personal Loan

Apply on Fibe, your reliable lending partner, and enjoy a comfortable repayment experience on a ₹4 lakh personal loan EMI.

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Get an Instant ₹4 Lakh Personal Loan

Fibe is aware that when crises strike, you may require a last-minute solution. If you are saying to yourself, "I need ₹4 lakhs urgently", you need not seek any further. Our instant personal loan is an ideal option to satisfy your urgent financial need while offering a simple and hassle-free borrowing process.

With Fibe, securing a ₹4 lakh loan in 2 minutes is simple. We provide tailored solutions to make sure your financial needs don't interfere with your peace of mind. Our quick ₹4 lakh loan intends to be your dependable financial partner, regardless of the reason for the loan. So, you can opt for it to manage a medical emergency, unpaid debt or any unforeseen needs.

With our online application process, you can conveniently apply for a ₹4 lakh personal loan from the comfort of your home. There's just a simple online loan application to complete, no difficult paperwork or time-consuming procedures to follow. Fibe provides quick approval while taking into account your cash needs and transferring the funds to your bank account without causing unnecessary delays.

Fibe loans ensure that your immediate financial needs are adequately met by offering loans of up to ₹4 lakhs. You can choose the payback period that best suits your budget with ease, thanks to the flexibility of our loan options, which will lessen your stress.

Say goodbye to endless waits and complicated loan processes. If you're in urgent need of a ₹4 lakh loan, Fibe is your trusted partner. Apply online today to experience a seamless and instant borrowing process that puts your financial well-being first. We're here to help you bridge the gap between your urgent financial requirements and the solution you need.

Fibe personal loan and instant cash loan app

Why Opt for a ₹4 Lakh Personal Loan?

Personal loans are a flexible option for any of your planned as well as unplanned expenses. Opting for it doesn’t require you to pledge any collateral, and you can choose a comfortable repayment option. 

Unlike other loans, there isn't a lengthy application process as lenders assess your eligibility based on your credit score. You can also use the funds for any needs, as there are no end-use restrictions. So, if you need an urgent loan without hassle, opting for a ₹4 lakh personal loan is the right option. 

Fibe personal loan and instant cash loan app

Features of a Personal Loan for ₹4 Lakhs

Personal loans are a popular and trusted option for many due to their several beneficial features. Here are some of them:
You can enjoy swift funds with rapid disbursement of the approved amount
It comes with no end-use restriction, so you can use the funds for any purpose
You can choose from comparative interest rates from top lenders
There is no extensive credit check required
Since it is an unsecured loan, you don't need to pledge a valuable asset as collateral 
The online application makes it easy to apply for any time-sensitive requirement
Most lenders allow you to close your loan anytime with zero or nominal charges
You can choose from a comfortable tenure of up to 60 months

 Fees & Charges on ₹4 lakh Loan

Fibe offers transparent fees to ensure that you are aware of the cost from the start. There are no hidden fees. Simple terms for a stress-free borrowing experience. Here is a breakdown of our fees.

Fee type & Charges
Rate of InterestStarting from 16% p.a. on a reduced balance basis
Processing FeeStarting from 2% of the loan amount plus GST
Tenure3 to 36 months
APRStarting from 18%
Bounce Charges₹500 plus GST
Late Payment Charges₹500 plus GST or 3% of the total loan amount, whichever is higher as per the overdue amount
Stamp Duty0.1% of the loan amount
Mandate Rejection Chrages₹250 plus GST
Pre-Closure ChargesNil

Disclaimer: The above fees and charges are subject to change as per the policy.

Calculate Your Monthly EMI for ₹4 lakh Personal Loan

Effectively manage your finances with the assistance of the Fibe EMI calculator. This tool helps you project your monthly repayments for a personal loan of ₹4 lakh. All you need to enter is the loan amount, interest and tenure.

4,00,000
14
12
Your monthly instalment:
0
Total interest
0
Principal amount
4,00,000
Total amount
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Check Eligibility & Documents Required for ₹4 Lakh Personal Loan

Fibe provides a smooth and rapid process during these critical situations. Thus, if you need an urgent loan of ₹4 lakhs, our eligibility criteria and document requirements ensure a hassle-free experience. 

Eligibility Criteria

You must be between the ages of 21 to 55 years.

A minimum monthly in-hand income of ₹15,000 in non-metro cities and ₹18,000 in metro cities is required.

You must be a resident of India.

Documents Required

A Selfie: Your picture in good lighting.

PAN Card: Important document for identity verification.

Aadhaar Card: Ensures the legality of your application.

Salary Slips (last 3 months) or Bank Statements (last 6 months): Shows your financial stability.

Minimum CIBIL Score Required to Avail of a ₹4 lakh Loan

Your financial history holds significance when seeking a loan. Recognizing the importance of credit needs, Fibe provides services tailored for individuals "New To Credit." Secure your immediate ₹4 lakh loan today using our user-friendly online application, promptly addressing your urgent financial needs. Apply now to enjoy the ease of obtaining instant loans through Fibe.

Easy steps to apply for ₹4 lakh Loan Instantly

To apply for a ₹4 lakh personal loan online, follow these straightforward steps:

  • Online Application

    Complete the application with a few basic details

  • Documents

    Proceed and submit necessary documents

  • Quick Approval

    Get instant approval once the application is completed

  • Funds Disbursal

    Transfer the amount to your bank account in 2 minutes

Get up to ₹4 lakh personal loan now!

One-stop solutions for all your credit needs

Why Choose Fibe for Instant Personal Loans?

Discover the benefits provided by Fibe's loan services:

Choose a Personal Loan by amount

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Frequently Asked Questions

Yes, you can get a ₹4 lakh loan using your Aadhaar and PAN cards. Fibe simplifies the process, offering quick approval and efficient disbursal for your convenience.

Your financial history provides accessible solutions based on creditworthiness. Fibe also caters to individuals who are ‘New To Credit’.

Fibe offers instant approval within 2 minutes for a ₹4 lakh loan application. Experience a seamless and efficient lending process for your urgent requirements.

Avail of a ₹4,00,000 lakh loan at affordable interest rates, starting from 2% per annum with Fibe.

Instantly secure ₹4 lakh with Fibe Loans. Apply online and experience swift approval for your urgent financial needs. Quick, easy and reliable.

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I would like to thank Fibe (EarlySalary), few days back I met with an accident and I didn’t have much money to pay in one go. So, I took an instant cash advance from Fibe (EarlySalary). They helped me to clear all the medical bills in just 10 mins!
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Subham Pawar

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The overall experience with Fibe was really good. I applied for an online personal loan and the service was very quick. The entire process was fast and smooth, and the loan was sanctioned without any hassles.
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Shilpi Mukherjee