Top Offers - Personal Loan up to Rs. 3 Lakhs

LoanTap Offers various customised Personal loans up to Rs. 3 Lakhs


Personal Loan - EMI Free

You can enjoy benefits of interest only payments every month combined with bullet payments towards the principal outstanding every 3/6 months from the comfort of your home. This offer is ideal for you if you are a salaried professional, especially in an IT company or a bank, where you receive regular bonus every few months. This loan helps you have a reduced monthly instalment every month and make lump sum payments towards the Principal outstanding every 3/6 months. If you are looking to transform your kitchen or carry out Home improvement activities, choose this offer.

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Personal Term Loan

With a Personal Term Loan up to Rs. 3 lakhs, both salaried professional and business owners can enjoy Fixed Equated Monthly installments, which contain both Principal and Interest amounts. This offer is best suited for you if you need financial assistance to make purchases within the budget of Rs. 3 lakhs and are not expecting additional variable expenses. So if you wish to fund your purchases on fixed EMIs and your income is constant and uninterrupted, this loan is the right choice for you.

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Personal Loan - Step Up

Enjoy interest only payments for the first 3 months followed by fixed monthly instalments for the remaining tenure with a Personal loan - Step Up. If you have lined up expenses in the initial months and will be fueled with liquidity in the near 3-4 months, this personal loan is the best solution. This way you can have low monthly instalments in the initial months followed by fixed EMIs for the remaining tenure.

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Personal Loan - Overdraft

A Personal Loan Overdraft provides a suitable option for you if you depend on Credit Cards for your Purchases. By opting for Overdraft, you can borrow up to Rs. 3 lakhs at half the interest rate of a credit card. You pay interest only on the amount you withdraw and not on the entire sanctioned amount. This Personal loan is best suited for individuals or businesses who have recurring expenses. So if you have multiple expenses lined up or multiple upgrades lined up and are unsure about the pricing of your purchases, apply for an Overdraft and enjoy a credit card like facility at half the interest rate.

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Why take LoanTap’s Personal Loan up to Rs. 3 Lakhs?

Plan a home improvement activity or purchase that new home theatre you always wanted, LoanTap’s Personal loan offers are suited to fit your pocket. For purchases priced within the range of INR 3,00,000, LoanTap brings a range of flexible repayment options for Personal loan up to Rs. 3 lakhs. Meet all your financial needs without straining your budgets, all within 24 hours!

Instant Approval & Disbursal

Personal Loan up to Rs. 3 Lakhs can be availed with an easy application process in less than 24 hours

Flexible Repayments

LoanTap's customised personal loan comes with flexible repayment options

Minimum Documentation

You can avail a Personal Loan up to Rs. 3 Lakhs by applying online with few basic documents

Transparent Process

Our Personal loans come with No hidden/pre-closure charges

Eligibility criteria for Personal Loan up to Rs. 3 Lakhs

To avail a personal loan up to 3 Lakhs, you must qualify under the below mentioned eligibility criteria

  1. Individuals with a minimum income of INR 30,000 are eligible to get a Loan Up to 3 Lakhs
  2. Indian Citizen/Residents who are 21 years & above
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Documents required for Availing a Personal loan up to 3 Lakhs

To avail a personal loan up to 3 Lakhs, you must qualify under the below mentioned eligibility criteria

  1. PAN Card
  2. Salary Slips (last 3 months)
  3. Salary Account Bank Statement (3/6 months)
  4. Address Proof (If differs from permanent address)
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Things you can Fund with Personal loan up to Rs. 3 Lakhs

Home theatre

If you are looking forward to purchasing that home theatre you always wanted, this personal loan up to 3 Lakhs is a perfect fit to transform your living room and add theatre-like experience. You can choose the personal loan EMI free offer to fund the purchases of the Home Theatre and surround sound setup with top notch features from the best of the brands like Samsung or LG.

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Home Improvements

If you wish to transform the walls of your home or upgrade to better furniture for your home, Personal loan up to 3 lakhs is perfect. You can execute the much awaited home improvement project you have been planning.. Choosing LoanTap’s personal Term Loan offer is the best choice as you can carry out the activities and pay in easy EMIs.

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Modular Kitchen

Wish to give your kitchen a new, stylish look with the best of the designs customised by experts, then Personal loan Overdraft upto INR 3,00,000 is a good option. You can choose your style of upgrade without worrying much about the price tags as you can enjoy a withdrawal facility just like a credit card.

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How we provide Personal Loan up to Rs. 3 Lakhs within 24 hours

online application
Online Application

Apply for your loan while sitting at your home and upload the required documents

online application
Record your time for Representative visit

Download documents as per checklist, sign and handover to our representative who will come to your doorstep

online application
KYC & Fund Transfer

We check documents, verify them and activate instant disbursal for your Personal Loan up to Rs. 3 Lakhs


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LoanTap offers Personal Loans for amounts of Rs. 25K - 10L for tenures ranging from 3 Months - 5 Years.
We charge a Processing Fee of only 2% (+ taxes). Our interest rates range from 18% to 30% p.a., based on the type of loan, customer profile, and other related factors.

On a personal loan of Rs. 1 lakh at a rate of 18% per annum, for a tenure of 36 months, the EMI amount will be Rs. 3,615

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