Principal Amount
₹
- 3000
- 5L
Total Interest Payable
- 6
- 38
Loan Term (in months)
- 3
- 72
Your Monthly EMI Is
₹ 0.00
Total Interest
₹ 0.00
Total Amount Payable
₹ 0.00
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Need a 3 lakh loan urgently? Zype is here to help! Whether it’s for a medical expense, utility bill, or unexpected shopping, Zype makes getting a ₹3,00,000 emergency loan quick and stress-free. Get instant approval in just 6 minutes and receive funds in your account within 60 seconds. Choose from flexible EMI options of 6, 9, 12 or 18 months and enjoy affordable interest rates starting at just 1.5% per month. Plus, there’s no need for collateral or lengthy paperwork—everything is 100% digital. Apply with us today and experience a fast, hassle-free loan process!
A ₹3 Lakh personal loan from Zype is an unsecured personal loan in which you can borrow up to ₹3,00,000 without any need of collateral. It is a loan facility in which you will get a higher amount such as ₹3 Lakh with competitive interest rates, making it a convenient and accessible solution for those in need. You will get an instant loan without any need of paperwork and the application process too is easy which is processed under 6 minutes. Loan gets approved in 60 seconds and once approved, your loan amount will be instantly transferred to your bank account instantly.
A ₹3 Lakh personal loan provides the financial flexibility you need to handle significant expenses, whether planned or unexpected, without requiring any collateral. A personal loan is an ideal solution providing a monthly EMI option of 6, 9, 12 or 18 months for covering medical emergencies, home improvements, weddings, or other big-ticket expenses.
Avail instant loan of 3 lakhs without pledging any security or assets.
Get your instant loan approved within minutes for faster access to funds.
Choose a repayment period that suits your financial capacity.
Enjoy affordable EMIs with attractive interest rates.
You can use the funds for medical emergencies, home renovations, weddings, or travel.
Hassle-free application process with minimal paperwork.
Apply, upload documents, and track your loan online from anywhere.
Eligibility for amounts up to ₹5,00,000 makes it suitable for significant expenses.
Want to find out your EMIs in seconds? Use our user-friendly ₹3 lakh loan EMI calculator below!
Calculating your personal loan EMIs for different repayment tenures before taking a 3 lakh personal loan can help you plan your finances better & also help you choose a repayment plan that suits you the best.
Here is the formula you can use to calculate emi on personal loan of 3 lakhs:
The flexibility of borrowing shouldn’t end with getting a loan.
This is exactly why we offers convenient repayment options where you can borrow the money you need and pay later in 6, 9, 12 or 18 EMIs. This way, you can get a personal loan without worrying about your repayments.
Your repayment tenure will look something like this when you take a ₹3 lakh loan at an 18% annual interest rate.
| Loan Amount (₹) | Interest Rate (%) | Tenure (in months) | EMI (₹) |
|---|---|---|---|
| 300,000 | 18 | 6 | 52,657.56 |
| 300,000 | 18 | 9 | 35,882.95 |
| 300,000 | 18 | 12 | 27,504.00 |
| 300,000 | 18 | 18 | 19,141.73 |
Note: The above table is just for illustration purposes. The actual number may differ.
| Fees & Charges | Amount Chargeable |
|---|---|
| Interest Rate | Starting at as low as 1.5% (monthly) |
| Loan Processing Charges | Processing fees from 2% to 6% on every loan |
| Penalty on Overdue EMIs | Late payment penalty charges & overdue interest will be charged to your total outstanding loan on a daily basis |
Want to get approved for a personal loan up to ₹3 lakh within seconds? All you have to do is meet a simple eligibility criteria!
21 years or above
Indian with a valid PAN & Aadhaar card.
Salaried individual
Monthly income of at least ₹15,000
We offers personal loans with absolutely zero required document uploads & paperwork! You only need these to complete your application for an instant loan:
During your application process, you need to enter your PAN & Aadhaar number to get a loan offer & to complete your KYC. You don’t need to upload any physical copy of the card.
After you’re approved for a personal loan, you will need to do a selfie-based verification. Since this is real-time photo verification, you don’t need to upload any documents.
If you want to apply for a higher loan limit on us, all you need to do is upload your bank statement for the last 4 months.
When you apply for a Rs. 3 lakh loan, we will provide you with instant personal loans after evaluating your eligibility. A few factors that affect your eligibility include:
Yes, you may get a 3 lakhs loan without a CIBIL score through alternative credit checks, especially with fintech lenders offering instant approvals and minimal documentation.
Some digital apps offer a ₹3 lakh personal loan with minimal documents like PAN and Aadhaar. However, completely document-free loans are rare and often require strong income proof.
Your ₹3 lakh EMI depends on the interest rate and tenure. Use Zype EMI calculator to check the monthly payment for 6, 9, 12 or 18 month repayment options.
To get a ₹3 lakh loan, a minimum monthly salary of ₹15,000–₹25,000 is often required, depending on the lender’s eligibility criteria and risk assessment.
A 650 CIBIL score is moderate. Some lenders may approve your ₹3 lakh loan, but expect slightly higher interest rates or additional checks compared to higher scores.
Most personal loans up to ₹3 lakh are unsecured, meaning you don’t need to pledge collateral. Approval is based on income, credit history, and other personal details.
Your ₹3 lakh loan EMI depends on factors like loan tenure, interest rate, income, repayment ability, and credit score. Longer tenures may lower EMIs but increase total interest.
Some fintech apps may offer a ₹3 lakh loan without income proof by assessing alternate data like bank transactions or spending behavior, but this depends on the lender.
With digital lenders, the processing time for a ₹3 lakh personal loan can be under 6 minutes, while traditional banks may take 1–3 working days.
A credit score above 700 is ideal for a ₹3 lakh loan with lower interest rates. Some lenders may accept lower scores with additional verification or shorter tenures.
To get ₹3 lakh instantly, apply through a trusted digital lending platform like Zype offering fast verification, minimal documentation, and instant disbursal to your bank account.
Zero-interest loans for ₹3 lakh are rare. Some offers may have no-cost EMIs, usually available on specific platforms or partner stores with promotional deals.
Maintain a good credit score, stable income, and a clean repayment record. Compare lenders online to find the best interest rate for your ₹3 lakh personal loan.
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