Simplify Your Life, Get Your Personal Loan Funded Quickly.
Lunexa Solutions makes the personal loan process faster, easier, and borrower-friendly, offering seamless documentation, quick approvals, and competitive interest rates
A personal loan is one of the most flexible and easily accessible financial solutions available in India. Whether you want to manage medical emergencies, pay for higher education, plan a wedding, renovate your home, buy gadgets, consolidate debts, travel abroad, or handle any personal expenditure, a personal loan offers instant financial support without the need for collateral.
With trusted partner banks and NBFCs across India, we help individuals of all backgrounds get access to the right financial product effortlessly.
Personal loans are unsecured in nature, meaning you do not have to mortgage your home, gold, property, or any asset. You simply borrow based on your income, credit score, employment stability, and repayment capacity. Because of this flexibility, millions of Indians prefer personal loans for planned as well as unplanned expenses.
Eligibility Criteria
Personal loan eligibility is based on several factors:
1. Age Criteria
Minimum: 21 years
Maximum: 58–60 years (varies by bank)
2. Income Requirement
Minimum salary:
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₹18,000/month (Tier 2, Tier 3 cities)
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₹22,000/month (Tier 1 cities)
Higher salary = Higher loan amount.
3. Employment Stability
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Salaried employees: minimum 6 months to 1 year job stability
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Self-employed: at least 2 years of business stability
4. Credit Score
A good CIBIL score of 700+ increases chances of approval.
5. Company Category
MNC or Government employees receive higher approval chances.
6. Existing Loans
Banks also check how many EMIs you are currently paying.
7. Location
Your city plays a role in the loan approval amount.
For personalised eligibility check, contact:
Call +91-7388830379
Mail Us: info@lunexasolutions.in
Best Personal Loan Schemes and Offers
Life's journey is full of moments, big and small, that deserve to be lived to the fullest. We believe in the power of your dreams and are here to help you turn them into reality with our customized personal loan
Personal Loans Interest Rates and Charges
Here are all the charges associated with taking a personal loan from Lunexa Solutions.
| Fees | Amount to be Paid |
|---|---|
| Rack Interest Rate | Salaried: 9.99% - 24.00% |
| Processing Fee/Loan Processing Charges | Up to ₹ 6,500/- + GST |
| Stamp Duty & Other Statutory Charges | As per applicable laws of the state. |
| Legal/Incidental Charges | At actuals |
| Amortisation Schedule Charges/ Repayment Schedule Charges | ₹50 per schedule for physical copy. Customers can also download from the website free of cost. |
| Repayment Mode Change Charges | ₹500 |
| Payment Return Charges | ₹450 per instance |
| Loan Cancellation Charges & Rebooking Charges | Loan Cancellation Charges: Loan cancellation is allowed within the cooling-off/look-up period from the loan disbursement date. Interest charged from the date of disbursement until the date of loan cancellation will be borne by the customer. Processing fees, stamp duty, other statutory charges, and GST are non-refundable and will not be waived/refunded in case of loan cancellation. Rebooking Charges: ₹1,000 plus applicable government taxes |
| Delayed Instalment Payment Charge | 18% p.a. (1.50% per month) plus applicable government taxes on overdue instalment amount. Charge to be applied for all accounts where instalment remains unpaid after expiry of grace period of 7 calendar days from due date of instalment. |
| Premature Closure Charges (For Full Payment) |
Premature closure charges (applicable on principal outstanding) post cooling-off/look-up period: Up to 24 EMI repayment: 4% of principal outstanding. Post 24 EMI and up to 36 EMI repayment: 3% of principal outstanding. Post 36 EMI repayment: 2% of principal outstanding. |
| Premature Closure Charges (For Part Payment) |
Partial premature closure charges (applicable on part payment amount): Partial premature payment is allowed post payment of first EMI. Post 01 EMI and up to 24 EMI repayment: 4% of part payment amount. Post 24 EMI and up to 36 EMI repayment: 3% of part payment amount. Post 36 EMI repayment: 2% of part payment amount. Partial premature payment is allowed, post servicing of 1st EMI, up to 25% of principal outstanding, only once in the financial year and twice during the loan tenure. |
Where Can You Use Your Personal Loan? Anywhere You Like!
A personal loan is one of the most effective solutions for managing financial needs smoothly and without stress. With Lunexa Solutions, you get the advantage of expert support, fast approvals, transparent guidance, and access to the best loan products in the market.
Medical Personal Loan
Wedding Personal Loan
Travel Personal Loan
Education Personal Loan
Home Renovation Loan
Debt Consolidation Loan
Personal Loan for Self-Employed
Top-Up Personal Loan
Personal Loan for Salaried Employees
Personal Loan for Women
Lunexa Solutions is one of India's most trusted names in lending assistance.
Fast Approvals
At Lunexa Solutions, we ensure that loan applications are processed quickly through streamlined systems and direct bank coordination. Our team works proactively so that you receive approval in the shortest possible time, without unnecessary delays. Whether it’s an emergency expense or a planned purchase, we help you move forward faster.
Minimum Documentation
We understand that paperwork can be stressful. That’s why we simplify the process by requiring only essential documents. With Lunexa Solutions, you don’t need to worry about long forms or repeated submissions. Our experts guide you through each step, ensuring a smooth and hassle-free experience right from application to approval.
Lowest Interest Rates
Getting a personal loan at a reasonable cost is important. Through our strong partnerships with leading banks and NBFCs, Lunexa Solutions helps customers secure the lowest possible interest rates based on their eligibility. We compare multiple loan offers to ensure you get the best deal tailored to your budget and financial needs.
Pan-India Loan Support
No matter where you live in India, Lunexa Solutions is here to assist you. Our services extend across the country, providing reliable and professional loan support in both urban and rural areas. Whether you are applying from a metro city or a small town, you can count on us for seamless assistance.
Professional Customer Guidance
Our team consists of experienced financial advisors who provide honest, clear, and personalised guidance. We help you understand loan options, eligibility criteria, repayment plans, and interest rates so you can make informed decisions. We don’t just help you apply—we help you choose the right loan for your needs.
No Agent Fraud
Your safety and trust are our top priorities. Lunexa Solutions operates with strict verification protocols and never engages in third-party agent activities. This eliminates the risk of fraud and ensures that you are always dealing directly with a legitimate and authorised team. Every process is secure and transparent.
Direct Bank Partnerships
We work closely with India’s top banks and NBFCs to offer you a wide selection of loan options. These direct partnerships ensure faster processing, better interest rates, and genuine financial services. Because of these strong connections, you get access to safe, reliable, and verified loan products.
100% Transparency
No hidden charges, no misleading information, no false promises. Lunexa Solutions follows a clear and transparent process where all details—interest rates, charges, terms, and conditions—are openly shared with you. You always know what you are signing up for.
Our Legacy in Numbers
24 Hrs
70+
50Cr+
Provide Basic Details
Complete Application Form
Compare and Select
Loan Amount
Why Choose Our Personal loan
Personal Loan Features and Benefits
Loan Up to ₹50 lakh
Whether it's Travel, Wedding, Home renovation, or a Medical emergency, get a loan instantly from ₹25,000 to ₹50 Lakh
Attractive Interest Rate
Interest rate starting at 9.99%* p.a.
Instant disbursal
Get funds in 10 seconds if you are a pre-approved customer. Other customers can get a loan within 4 working days subject to requisite documentation Verification.
No documentation required
No Documentation Required to get Loan for your Personal needs.
Frequently Asked Questions
Frequently Asked Questions
Key Features
Personal loans are simple and powerful financial tools. Their main features include:
No Collateral Required
You do not need to pledge gold, property, or assets.
Quick Disbursal
Money is credited to your account within 24–48 hours (sometimes within hours).
Flexible Tenure
Choose between 1 year to 5 years depending on your capacity.
Multi-Purpose
Use the loan amount for anything you wish.
Fixed EMIs
Monthly EMIs remain fixed, making planning easier.
Attractive Interest Rates
Rates depend on salary, credit score, and profile.
Online Processing
Minimal documents and completely digital approval process.
Prepayment Options
You can close the loan early to reduce interest burden.
High Loan Amount
Eligible borrowers can get up to ₹40–50 lakhs.
Benefits
Loan Up to ₹50 lakh
-
Whether it's Travel, Wedding, Home renovation, or a Medical emergency, get a loan instantly from ₹25,000 to ₹50 Lakh
Attractive Interest Rate
-
Interest rate starting at 9.99%* p.a.
Instant disbursal
-
Get funds in 10 seconds if you are a pre-approved Bank customer.
Other customers can get a loan within 4 working days subject to requisite documentation Verification.
Eligibility
- Age: 21 to 60 years
- Employment:
- - Employees of private limited companies
- - Employees of public sector undertakings (central, state, and local bodies)
- Work Experience: Minimum of 2 years of total work experience, with at least 1 year in the current organisation.
- Income: Minimum monthly net income of ₹25,000.
Loan Details
No documentation is required for availing Bank Personal Loan.
KYC-compliant bank / Pre-approved customers can avail the Personal Loan in just 10 seconds with no documentation.
If the customer needs higher loan amount, the customer can click here to avail Personal Loan with higher loan amount. This is an end-to-end digital journey. No documents are required for availing Bank Personal Loan.
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100% Digital Process
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Hasslefree Borrowing experience!
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No Documentation Required to get Loan for your Personal needs.
More About Personal Loan – Important Things to Know
Loan Tenure & EMI
The longer your tenure, the smaller your monthly EMI.
hidden Charges You Should Know
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Processing fees
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Late payment penalties
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Prepayment charges
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GST
How to Get the Lowest Interest Rate?
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Keep CIBIL score above 750
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Maintain a stable job
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Choose shorter tenure
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Avoid multiple loan applications
Personal Loan Approval Tips
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Ensure no cheque bounce
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Maintain low credit card utilisation
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Keep your bank balance stable
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Provide accurate documents
Documents Required for Personal Loan
Here is the list of common documents:
Identity Proof
Aadhaar Card / Passport / PAN / Driving License
Address Proof
Utility Bill / Ration Card / Rent Agreement
Income Proof
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Salary slips (last 3 months)
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Bank statements (last 6 months)
Employment Proof
Office ID / Appointment letter
Photograph
Passport-sized
Lunexa Solutions helps you collect and upload documents smoothly.
Lunexa Solutions is a trusted financial consultancy firm offering personalised loan advisory and end-to-end support for Home Loans, Car Loans, Personal Loans, Business Loan, Loan against Securites, Loan against Properties and Credit Card L... Read More
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