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Faircent Personal Loan Highlights |
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| Interest Rate |
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| Loan Amount |
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| Loan Tenure |
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| Filing Fees | Faircent charges a one time and non-refundable filing fees of Rs 500, due along with the processing fees, prior to the loan disbursal |
| Processing Fees |
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Note: Interest rates as on 11th April 2024
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Table of Contents
Faircent Personal Loan Interest Rates
Faircent Personal Loan interest rates start from 9.99% p.a. The personal loan interest rates provided by the P2P platform for its different loan schemes are as follows:
| Particulars | Interest Rates (p.a.) |
| 9.99% Personal Loan | 9.99% p.a. |
| Faircent Personal Loan for Marriage | 12% p.a. onwards |
| Faircent Personal Loan for Home Renovation | 12% p.a. onwards |
| Faircent Personal Loan for Home Appliances | 12% p.a. onwards |
| Faircent Personal Loan for Debt Consolidation | 12% p.a. onwards |
| Faircent Personal Loan for Business Funding | 12% p.a. onwards |
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Compare Interest Rate for Personal Loans from Top Banks and NBFCs
| Banks/NBFCs | Interest Rates(p.a.) | |
| Axis Bank | 11.25% onwards | Apply Now |
| IndusInd Bank | 10.49% onwards | Apply Now |
| IDFC First Bank | 10.99% onwards | Apply Now |
| HDFC Bank | 10.85% onwards | Apply Now |
| ICICI Bank | 10.85% onwards | Apply Now |
| Kotak Mahindra Bank | 10.99% onwards | Apply Now |
| Tata Capital | 11.99% onwards | Apply Now |
| Federal Bank | 12.00% onwards | Apply Now |
| DMI Finance | 12.00% - 40.00% | Apply Now |
| L&T Finance | 12.00% onwards | Apply Now |
| Kreditbee | 16.00% - 29.95% | Apply Now |
| MoneyTap | 13.00% onwards | Apply Now |
| Piramal Finance | 12.99% onwards | Apply Now |
| Aditya Birla | 10.99% onwards | Apply Now |
| Moneyview | 14%-36% | Apply Now |
| Cashe | 27.00% onwards | Apply Now |
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Fees and Charges for Faircent Personal Loan
| Particulars | Rates |
| Filing Fees | Faircent charges a one time and non-refundable filing fees of Rs 500, due along with the processing fees, prior to the loan disbursal |
| Processing Fees |
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| Prepayment Charges |
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| EMI Overdue Charges |
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Types of Faircent Personal Loans
9.99% Personal Loan
Purpose: Faircent Personal Loan is offered to loan applicants having incomes above Rs 18 lakh p.a. with credit scores more than 750 and no overdue credit repayments.
Interest Rates: 9.99% p.a.
Loan Amount: Rs 2 lakh onwards
Faircent Personal Loan for Marriage
Purpose: Faircent Personal Loan for Marriage enables loan applicants avail funds to manage their wedding related expenses. Faircent claims to provide instant loan approval and minimal documentation
Interest Rates: 12% p.a. onwards
Loan Amount: Up to Rs 10 lakh
Loan Tenure: Up to 3 years
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Faircent Personal Loan for Debt Consolidation
Purpose: Faircent Personal Loan for Debt Consolidation enables loan applicants to combine all their existing credit cards and mortgages availed from other lenders into a single personal loan from Faircent. The P2P lender claims to provide instant approval for their debt consolidation loan with minimal documentation.
Interest Rates: 12% p.a. onwards
Loan Amount: Up to Rs 10 lakh
Loan Tenure: Up to 3 years
Faircent Personal Loan for Home Improvement
Purpose: Faircent Personal Loan for Home Improvement allows loan applicants to avail funds for renovation and repair of their existing homes.
Interest Rates: 12% p.a. onwards
Loan Amount: Up to Rs 10 lakh
Loan Tenure: Up to 3 years
Faircent Personal Loan for Home Appliances
Purpose: Faircent Personal Loan for Home Appliances enable loan applicants to purchase appliances including air conditioners, coolers, washing machines, dishwasher, inverters and batteries, microwave oven, CCTV, refrigerator, freezer, etc.
Interest Rates: 12% p.a. onwards
Loan Amount: Up to Rs 10 lakh
Loan Tenure: Up to 3 years
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Faircent Personal Loan for Business Funding
Purpose: Faircent Personal Loan for Business Funding enables loan applicants to avail funds for business expansion, purchasing machinery, media and advertising expenses, etc.
Interest Rates: 12% p.a. onwards
Loan Amount: Up to Rs 10 lakh
Loan Tenure: Up to 3 years
Faircent Personal Loan Eligibility Criteria
The personal loan eligibility criteria set for the various Faircent Personal Loan schemes are as follows:
Faircent Personal Loan
- Indian Resident
- Minimum gross income of Rs 3 lakh p.a.
9.99% Personal Loan
- Credit Scores of above 750
- Income greater than Rs 18 lakh p.a.
- Loan applicant should not have any overdue credit repayments
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Documents required for Availing Personal Loans from Faircent
The list of personal loan documents required for availing Faircent Personal Loans are mentioned below:
- Identity Proof (any one): PAN Card, Adhaar Card, Voter ID, Passport
- Date of Birth Proof: PAN Card or Passport
- Signature Proof (any one): PAN Card, Signature verification from your bank, Passport
- Address Proof (any one): Passport, Bank Statement, Voter ID, Electricity Bill (within last 3 months), Post paid Telephone Bill
- Contact Proof: Last month’s Postpaid Mobile/Landline Bill
- Bank statement of last 6 months
- IFSC code: Canceled/scanned cheque or copy of the passbook’s front page of the same bank account
- Income proof: Salary slips of last 3 months (for salaried professionals) or business/ITR of last 2 years & take home salary (for business professionals)
- NACH Mandate (the loan applicant’s signature should match those on his/her bank account)
- E-Mandate (needed if the lender approves the loan request)
Note: Faircent may ask its loan applicants to submit additional personal loan documents depending on the applicant’s profile.
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