When cash crunches arrive unannounced, the need for financial support substantially increases. The need for cash arises from events like sudden medical conditions, accidents, job loss, unexpected travel, repairs of the home, wedding, etc. These unpleasant events arrive unexpectedly, and most of us dip into our savings and investments to meet such expenses. 

In such cases, the personal loan app can assuage you of your worries by providing instant access to cash, enabling you to manage your finances without redeeming your savings. The process of acquiring a personal loan has been simplified and has become quite convenient due to Fullerton India’s Instaloan personal loan app. 

The ‘Instaloan’ mobile application has become the favorite thing among borrowers in India. Much of its popularity stems from the fact that it is transparent, convenient, and gives quick results. Both salaried and self-employed individuals can use the app to acquire personal loans to manage their finances.

Features and benefits of Fullerton India’s online loan app

Here are the features and benefits that make the Instaloan mobile app the best option available in the market 

  • Easy to access and use

Fullerton India Instaloan app ensures ease of access and application. Simplicity is one of the most appealing benefits. Regardless of your knowledge of technology, you can easily download the application on your smartphone, fill the application form that requires your personal and employment details, upload the requisite documents, and add your bank details. 

From registering on the app to submitting your application, it can be done from the comfort of your home. You can also track your personal loan application status online. The best part is that upon approval, the loan amount will be transferred to your bank account almost instantly. 

  • No stress of pledging assets as collateral

Another benefit of acquiring personal loans through Fullerton India’s Instaloan app is that you do not need to pledge anything as collateral. It provides you with loans without any requirement to submit collateral. However, you must meet all the eligibility criteria mandated by Fullerton India. After approving your loan amount, there are no restrictions on how you can use the loan amount as it serves multiple purposes. 

  • Flexible loan repayment

Besides offering a maximum loan amount, Fullerton India’s personal loan amount has a flexible loan tenure. It ranges between 12 to 60 months. You can apply for the required loan amount and spread your payment for five years, and manage your finances without any burden on your monthly budget. 

  • Hassle-free documentation 

The documentation process involved in the Instaloan app is hassle-free as there is no paperwork involved. You will, however, need to keep all your documents scanned and ready while applying for a personal loan. 

The requisite documents are: 

  • Proof of identity: Voter ID Card, Passport, Aadhar Card, PAN Card, etc. 
  • Proof of address: Passport Voter ID Card, Passport, Aadhar Card, Bank passbook, rent agreement, or Utility bill. 
  • Proof of age: Passport, Aadhaar Card, Voter ID Card, or School Admit Card. 

Salaried person: 

  1. Salary slip (last three months)
  2. Bank statements of salary account (Last six months)

Self-employed person:

  1. Copies of ITR 
  2. Audited financials of the past two years.
  • Eligibility criteria 

Fullerton India’s personal loan EMI calculator is a crucial online tool to determine the total amount you will have to pay every month towards your loan. To be eligible for a personal loan, you will have to meet the following requirements: 

  1. You must be an Indian citizen, currently working in India at a private or public undertaking, or if you are a self-employed person, you must show a minimum turnover as per company policy. 
  2. The eligible age is between 21 years to 60 years. 
  3. You must have a minimum of 1-year of work experience and six months in the current company. 

Salaried person: 

  1. Rs. 25000 as minimum income for residents of Delhi and Mumbai
  2. Rs. 20,000 as minimum income for residents in the rest of India. 


  1. A minimum of net profit after tax (based on profession/industry)
  • 100% digital

Since the entire process of applying for a personal loan by download Fullerton India’s instant loan app is digital, it offers convenience and paperless exercise. From the comfort of your home or office, you can fill out the application form with your personal and employment details, submit documents, and receive the funds in your bank account. The online facility has ceased the need to visit any branch. 

In short

If you want instant access to cash to manage your financial needs, you can apply for a personal loan through Fullerton India instant loan app. It is the epitome of transparency and convenience when it comes to personal loans.