Long Term Personal Loan in India | Apply Online | Olyv
Looking for a long term personal loan in India? Olyv provides borrowers with a simple, reliable, and fully digital way to access personal loans with long repayment tenures. With flexible amounts, competitive interest rates starting at 1.5% per month, and instant online approval, Olyv helps users plan their finances efficiently and manage larger loan requirements with ease.
Long term personal loans are ideal for home renovations, education, weddings, travel, medical expenses, or other major financial needs. Olyv ensures transparent terms, predictable EMIs, and flexible repayment tenure, making it easier for borrowers to achieve their financial goals without stress.
What Is a Long Term Personal Loan?
What Is a Long Term Personal Loan?
A long term personal loan allows borrowers to spread repayments over a longer period, typically from 2 months to 24 months, offering manageable EMIs. It is suitable for individuals needing a higher loan amount with flexibility in repayment.
Olyv facilitates personal loans that can be used as long term loans, helping salaried, self-employed, and even some borrowers with limited credit history to plan repayments efficiently.
Olyv facilitates personal loans that can be used as long term loans, helping salaried, self-employed, and even some borrowers with limited credit history to plan repayments efficiently.
Olyv facilitates personal loans that can be used as long term loans, helping salaried, self-employed, and even some borrowers with limited credit history to plan repayments efficiently.
Benefits include:
Benefits include:
Consolidated repayment through one manageable EMI
Consolidated repayment through one manageable EMI
Consolidated repayment through one manageable EMI
Lower monthly EMI compared to short-term loans
Lower monthly EMI compared to short-term loans
Lower monthly EMI compared to short-term loans
Fully digital application and approval process
Fully digital application and approval process
Fully digital application and approval process
Transparency in interest rates and charges
Transparency in interest rates and charges
Transparency in interest rates and charges
Why Choose Olyv for Long-Term Personal Loan?
Why Choose Olyv for Long-Term Personal Loan?
Why Choose Olyv for Long-Term Personal Loan?
Olyv provides a safe, transparent, and 100% online process for long-term personal loans in India. With Olyv, borrowers can:
Olyv provides a safe, transparent, and 100% online process for long-term personal loans in India. With Olyv, borrowers can:
Olyv provides a safe, transparent, and 100% online process for long-term personal loans in India. With Olyv, borrowers can:
Access long-term personal loans online from RBI-registered NBFCs and trusted lenders
Access long-term personal loans online from RBI-registered NBFCs and trusted lenders
Access long-term personal loans online from RBI-registered NBFCs and trusted lenders
Select loan tenure up to 24 month, ideal for high-value expenses or consolidating multiple loans
Select loan tenure up to 24 month, ideal for high-value expenses or consolidating multiple loans
Select loan tenure up to 24 month, ideal for high-value expenses or consolidating multiple loans
Use the long-term personal loan app for hassle-free application, EMI tracking, and repayment management
Use the long-term personal loan app for hassle-free application, EMI tracking, and repayment management
Use the long-term personal loan app for hassle-free application, EMI tracking, and repayment management
Benefit from low interest long-term personal loans based on credit profile and income stability
Benefit from low interest long-term personal loans based on credit profile and income stability
Benefit from low interest long-term personal loans based on credit profile and income stability
Apply even if you have bad credit, as Olyv provides tailored options for long-term personal loans for bad credit
Apply even if you have bad credit, as Olyv provides tailored options for long-term personal loans for bad credit
Apply even if you have bad credit, as Olyv provides tailored options for long-term personal loans for bad credit
Enjoy flexible EMIs and transparent charges, helping you plan monthly budgets effectively
Enjoy flexible EMIs and transparent charges, helping you plan monthly budgets effectively
Enjoy flexible EMIs and transparent charges, helping you plan monthly budgets effectively
Compare personal loan maximum tenure across banks and NBFCs to choose the best plan
Compare personal loan maximum tenure across banks and NBFCs to choose the best plan
Compare personal loan maximum tenure across banks and NBFCs to choose the best plan
Olyv simplifies the long-term borrowing process, enabling borrowers to achieve financial goals without multiple visits or paperwork.
Olyv simplifies the long-term borrowing process, enabling borrowers to achieve financial goals without multiple visits or paperwork.
Olyv simplifies the long-term borrowing process, enabling borrowers to achieve financial goals without multiple visits or paperwork.
Types of Long Term Personal Loans Available through Olyv
Types of Long Term Personal Loans Available through Olyv
Olyv facilitates multiple personal loan options for borrowers seeking extended repayment tenure and manageable long-term personal loan EMIs. A ₹1.5 lakh long term personal loan in India supports long term personal financial planning, with flexible long term personal loan tenure up to 24 months. Through the Olyv platform, applicants can compare long term personal loan options online, access unsecured long term personal loans, and complete a fully digital personal loan application.
Olyv facilitates multiple personal loan options for borrowers seeking extended repayment tenure and manageable long-term personal loan EMIs. A ₹1.5 lakh long term personal loan in India supports long term personal financial planning, with flexible long term personal loan tenure up to 24 months. Through the Olyv platform, applicants can compare long term personal loan options online, access unsecured long term personal loans, and complete a fully digital personal loan application.
Olyv facilitates multiple personal loan options for borrowers seeking extended repayment tenure and manageable long-term personal loan EMIs. A ₹1.5 lakh long term personal loan in India supports long term personal financial planning, with flexible long term personal loan tenure up to 24 months. Through the Olyv platform, applicants can compare long term personal loan options online, access unsecured long term personal loans, and complete a fully digital personal loan application.
Eligibility Criteria for Long Term Personal Loan with Olyv
Eligibility Criteria for Long Term Personal Loan with Olyv
To access a long term personal loan in India and ensure smooth processing, applicants must meet the following eligibility criteria. Olyv facilitates personal loans that can be used for long-term repayment through trusted NBFC and bank partners, including options for borrowers with varied credit profiles.
To access a long term personal loan in India and ensure smooth processing, applicants must meet the following eligibility criteria. Olyv facilitates personal loans that can be used for long-term repayment through trusted NBFC and bank partners, including options for borrowers with varied credit profiles.
To access a long term personal loan in India and ensure smooth processing, applicants must meet the following eligibility criteria. Olyv facilitates personal loans that can be used for long-term repayment through trusted NBFC and bank partners, including options for borrowers with varied credit profiles.
Must be an Indian citizen with valid KYC documents such as PAN, Aadhaar, Passport, or Voter ID
Must be an Indian citizen with valid KYC documents such as PAN, Aadhaar, Passport, or Voter ID
Must be an Indian citizen with valid KYC documents such as PAN, Aadhaar, Passport, or Voter ID
Minimum age of 21 years at the time of application
Minimum age of 21 years at the time of application
Minimum age of 21 years at the time of application
Minimum monthly income for salaried or self-employed individuals
Minimum monthly income for salaried or self-employed individuals
Minimum monthly income for salaried or self-employed individuals
Stable source of income supported by recent bank statements or income proof
Stable source of income supported by recent bank statements or income proof
Stable source of income supported by recent bank statements or income proof
Aadhaar-linked mobile number and a valid PAN card
Aadhaar-linked mobile number and a valid PAN card
Aadhaar-linked mobile number and a valid PAN card
A good credit score helps secure low interest long term personal loans and faster approval
A good credit score helps secure low interest long term personal loans and faster approval
Check long term personal loan eligibility online with Olyv to see your options and repayment flexibility.
Key Features of Long Term Personal Loan through Olyv
Key Features of Long Term Personal Loan through Olyv
Olyv facilitates transparent and borrower-friendly long term personal loan options, allowing borrowers to access funds with flexible repayment tenure and predictable EMIs. Olyv facilitates personal loans that can be used as long term loans through trusted NBFC and bank partners, suitable for various financial needs.
Olyv facilitates transparent and borrower-friendly long term personal loan options, allowing borrowers to access funds with flexible repayment tenure and predictable EMIs. Olyv facilitates personal loans that can be used as long term loans through trusted NBFC and bank partners, suitable for various financial needs.
Olyv facilitates transparent and borrower-friendly long term personal loan options, allowing borrowers to access funds with flexible repayment tenure and predictable EMIs. Olyv facilitates personal loans that can be used as long term loans through trusted NBFC and bank partners, suitable for various financial needs.
Key Features:
Key Features:
Key Features:
Feature
Details
Loan Amount
Flexible personal loan amounts based on eligibility and repayment capacity
Interest Rates
Competitive long term personal loan interest rates starting from 1.5% per month, determined by credit profile
Tenure
Long term repayment options from 2 to 24 months with manageable EMIs
EMI Planning
Easy-to-manage monthly EMI to plan your long-term finances
Collateral
Unsecured personal loan — no guarantor or collateral required
Digital Process
100% online application, approval, and disbursal
Transparent Pricing
All charges disclosed upfront, with no hidden costs
Profile-Based Rates
Customized interest rates based on income stability and repayment capacity
Feature
Details
Tenure
Long term repayment options from 2 to 24 months with manageable EMIs
Interest Rates
Competitive long term personal loan interest rates starting from 1.5% per month, determined by credit profile
Loan Amount
Flexible personal loan amounts based on eligibility and repayment capacity
EMI Planning
Easy-to-manage monthly EMI to plan your long-term finances
Collateral
Unsecured personal loan — no guarantor or collateral required
Digital Process
100% online application, approval, and disbursal
Transparent Pricing
All charges disclosed upfront, with no hidden costs
Profile-Based Rates
Customized interest rates based on income stability and repayment capacity
Feature
Details
Tenure
Long term repayment options from 2 to 24 months with manageable EMIs
Interest Rates
Competitive long term personal loan interest rates starting from 1.5% per month, determined by credit profile
Loan Amount
Flexible personal loan amounts based on eligibility and repayment capacity
EMI Planning
Easy-to-manage monthly EMI to plan your long-term finances
Collateral
Unsecured personal loan — no guarantor or collateral required
Digital Process
100% online application, approval, and disbursal
Transparent Pricing
All charges disclosed upfront, with no hidden costs
Profile-Based Rates
Customized interest rates based on income stability and repayment capacity
Olyv’s long term personal loan app experience ensures fast approval, quick disbursal, and complete transparency for borrowers.
Olyv’s long term personal loan app experience ensures fast approval, quick disbursal, and complete transparency for borrowers.
Olyv’s long term personal loan app experience ensures fast approval, quick disbursal, and complete transparency for borrowers.
Documents Required for Long Term Personal Loan Assessment
Documents Required for Long Term Personal Loan Assessment
Applying for a long term personal loan in India through Olyv requires minimal documentation to assess eligibility and determine applicable interest rates. Olyv facilitates personal loans that can be used for long-term repayment through trusted NBFC and bank partners.
Applying for a long term personal loan in India through Olyv requires minimal documentation to assess eligibility and determine applicable interest rates. Olyv facilitates personal loans that can be used for long-term repayment through trusted NBFC and bank partners.
Applying for a long term personal loan in India through Olyv requires minimal documentation to assess eligibility and determine applicable interest rates. Olyv facilitates personal loans that can be used for long-term repayment through trusted NBFC and bank partners.
Identity and Address Proof
Identity and Address Proof
Identity and Address Proof
PAN card
(mandatory)
Aadhaar card, Passport, Voter ID, Driving License, or other valid address proof
Additional Requirements
Additional Requirements
Additional Requirements
Recent selfie or photograph for digital KYC verification
Active bank account for loan disbursal and EMI auto-debit setup
Income Proof
Income Proof
Income Proof
Salaried individuals: Recent bank statements or salary slips
Self-employed individuals: Business bank statements or professional income documents
Check long term personal loan eligibility online with Olyv to know the exact documentation required.
Check long term personal loan eligibility online with Olyv to know the exact documentation required.
Check long term personal loan eligibility online with Olyv to know the exact documentation required.
Calculate Your Long Term Personal Loan EMI Online
Calculate Your Long Term Personal Loan EMI Online
Plan your repayments effectively using Olyv’s long term personal loan calculator. This tool helps estimate:
Plan your repayments effectively using Olyv’s long term personal loan calculator. This tool helps estimate:
Plan your repayments effectively using Olyv’s long term personal loan calculator. This tool helps estimate:
Monthly EMI
Monthly EMI
Monthly EMI
Total interest payable
Total interest payable
Total interest payable
Overall repayment amount
Overall repayment amount
Overall repayment amount
Borrowers can also compare long term personal loan interest rates by NBFC or bank to identify the best long term personal loan in India, based on affordability, tenure, and repayment comfort.
Borrowers can also compare long term personal loan interest rates by NBFC or bank to identify the best long term personal loan in India, based on affordability, tenure, and repayment comfort.
Borrowers can also compare long term personal loan interest rates by NBFC or bank to identify the best long term personal loan in India, based on affordability, tenure, and repayment comfort.
How to Use the Long Term Personal Loan EMI Calculator:
How to Use the Long Term Personal Loan EMI Calculator:
How to Use the Long Term Personal Loan EMI Calculator:
Enter the loan amount required for your long-term financial goal
Enter the loan amount required for your long-term financial goal
Select the applicable long term personal loan interest rate based on your credit profile
Select the applicable long term personal loan interest rate based on your credit profile
Choose a flexible repayment tenure from 2 to 24 months
Choose a flexible repayment tenure from 2 to 24 months
Using the long term personal loan EMI calculator, along with comparison of offers from top NBFCs and banks, helps borrowers make informed decisions and manage repayments efficiently with a single, predictable EMI.
Using the long term personal loan EMI calculator, along with comparison of offers from top NBFCs and banks, helps borrowers make informed decisions and manage repayments efficiently with a single, predictable EMI.
Using the long term personal loan EMI calculator, along with comparison of offers from top NBFCs and banks, helps borrowers make informed decisions and manage repayments efficiently with a single, predictable EMI.
Your monthly EMI is
₹0
6% interest rate per annum
Total Interest
₹0
Total Amount
₹0
EMI Schedule
| Month | Opening Balance | Interest | Principal | Closing Balance |
|---|---|---|---|---|
| Mar '26 | ₹5,000 | ₹25 | ₹-25 | ₹5,025 |
Long Term Personal Loan Interest Rates & Charges with Olyv
Long Term Personal Loan Interest Rates & Charges with Olyv
Olyv ensures complete transparency in long term personal loan pricing, allowing borrowers to understand applicable interest rates and charges before applying. Borrowers can plan repayment of larger amounts over an extended period using a personal loan for long-term financial goals.
Olyv ensures complete transparency in long term personal loan pricing, allowing borrowers to understand applicable interest rates and charges before applying. Borrowers can plan repayment of larger amounts over an extended period using a personal loan for long-term financial goals.
Olyv ensures complete transparency in long term personal loan pricing, allowing borrowers to understand applicable interest rates and charges before applying. Borrowers can plan repayment of larger amounts over an extended period using a personal loan for long-term financial goals.
Feature
Details
Loan Amount
Flexible loan amounts based on eligibility and repayment capacity
Interest Rate
Competitive long term personal loan interest rates starting from 1.5% per month, determined by credit profile
Tenure
2 to 24 months with manageable EMIs
Processing Charges
Applicable fees disclosed upfront by NBFC or bank lenders
Foreclosure Charges
May apply as per lender terms
Penalty Charges
Applicable in case of delayed EMI payments
Feature
Details
Tenure
2 to 24 months with manageable EMIs
Interest Rate
Competitive long term personal loan interest rates starting from 1.5% per month, determined by credit profile
Loan Amount
Flexible loan amounts based on eligibility and repayment capacity
Processing Charges
Applicable fees disclosed upfront by NBFC or bank lenders
Foreclosure Charges
May apply as per lender terms
Penalty Charges
Applicable in case of delayed EMI payments
Feature
Details
Tenure
2 to 24 months with manageable EMIs
Interest Rate
Competitive long term personal loan interest rates starting from 1.5% per month, determined by credit profile
Loan Amount
Flexible loan amounts based on eligibility and repayment capacity
Processing
Charges
Applicable fees disclosed upfront by NBFC or bank lenders
Foreclosure
Charges
May apply as per lender terms
Penalty Charges
Applicable in case of delayed EMI payments
Borrowers can estimate monthly EMI, total interest, and total repayment using the long term personal loan calculator on Olyv.
Borrowers can estimate monthly EMI, total interest, and total repayment using the long term personal loan calculator on Olyv.
Borrowers can estimate monthly EMI, total interest, and total repayment using the long term personal loan calculator on Olyv.
How to Apply for a Long Term Personal Loan Online with Olyv
How to Apply for a Long Term Personal Loan Online with Olyv
Olyv facilitates a fast, paperless, and fully digital process to apply for long term personal loans in India. The personal loan can be used for long-term financial planning, including education, weddings, home repairs, travel, or large purchases.
Olyv facilitates a fast, paperless, and fully digital process to apply for long term personal loans in India. The personal loan can be used for long-term financial planning, including education, weddings, home repairs, travel, or large purchases.
Olyv facilitates a fast, paperless, and fully digital process to apply for long term personal loans in India. The personal loan can be used for long-term financial planning, including education, weddings, home repairs, travel, or large purchases.
Step-by-Step Application Process:
Step-by-Step Application Process:
Step-by-Step Application Process:
Visit Olyv and register using your mobile number
Complete personal, employment, and
income details
Verify identity through OTP-based and digital KYC
Select loan amount, long term personal loan
interest rate, and repayment tenure
Get instant approval and receive funds directly
in your bank account
Visit Olyv and register using your mobile number
Complete personal, employment, and income details
Verify identity through OTP-based and digital KYC
Select loan amount, long term personal loan interest rate, and repayment tenure
Get instant approval and receive funds directly in your bank account
Visit Olyv and register using your mobile number
Complete personal, employment, and income details
Verify identity through OTP-based and digital KYC
Select loan amount, long term personal loan interest rate, and repayment tenure
Get instant approval and receive funds directly in your bank account
This streamlined process ensures quick approval, fast disbursal, and a seamless long term personal loan app experience through Olyv.
This streamlined process ensures quick approval, fast disbursal, and a seamless long term personal loan app experience through Olyv.
This streamlined process ensures quick approval, fast disbursal, and a seamless long term personal loan app experience through Olyv.
FAQs- Long term personal loan
FAQs- Long term personal loan
What is the longest term for a personal loan in India?
The longest term for a long term personal loan in India facilitated through Olyv is up to 24 months, allowing borrowers to manage EMIs comfortably over time.
Can I get a 5 year personal loan in India?
Why are long term personal loan interest rates higher than short-term loans?
What is the maximum repayment tenure for a long term personal loan?
Do I need to pledge any collateral for a personal loan?
How can I apply for a long term personal loan online in India?
What is the eligibility for a long term personal loan in India?
What is the interest rate for a long term personal loan in India?
How long does it take to get a long term personal loan approved?
Can I use a long term personal loan for any purpose?
What is the longest term for a personal loan in India?
The longest term for a long term personal loan in India facilitated through Olyv is up to 24 months, allowing borrowers to manage EMIs comfortably over time.
Can I get a 5 year personal loan in India?
Why are long term personal loan interest rates higher than short-term loans?
What is the maximum repayment tenure for a long term personal loan?
Do I need to pledge any collateral for a personal loan?
How can I apply for a long term personal loan online in India?
What is the eligibility for a long term personal loan in India?
What is the interest rate for a long term personal loan in India?
How long does it take to get a long term personal loan approved?
Can I use a long term personal loan for any purpose?
What is the longest term for a personal loan in India?
The longest term for a long term personal loan in India facilitated through Olyv is up to 24 months, allowing borrowers to manage EMIs comfortably over time.
Can I get a 5 year personal loan in India?
Why are long term personal loan interest rates higher than short-term loans?
What is the maximum repayment tenure for a long term personal loan?
Do I need to pledge any collateral for a personal loan?
How can I apply for a long term personal loan online in India?
What is the eligibility for a long term personal loan in India?
What is the interest rate for a long term personal loan in India?
How long does it take to get a long term personal loan approved?
Can I use a long term personal loan for any purpose?
Get a Long-Term Personal Loan Online
Get a Long-Term Personal Loan Online
A long term personal loan is designed to help borrowers access higher amounts of credit with flexible repayment options over an extended period. By spreading repayment over a longer tenure, you can manage monthly EMIs comfortably without putting pressure on your finances.
A long term personal loan is designed to help borrowers access higher amounts of credit with flexible repayment options over an extended period. By spreading repayment over a longer tenure, you can manage monthly EMIs comfortably without putting pressure on your finances.
Olyv facilitates personal loans that can be used as long term loans, allowing borrowers to meet multiple financial goals. With interest rates starting at 1.5% per month and repayment tenure from 2 to 24 months, long term personal loans are ideal for both planned and emergency expenses.
Olyv facilitates personal loans that can be used as long term loans, allowing borrowers to meet multiple financial goals. With interest rates starting at 1.5% per month and repayment tenure from 2 to 24 months, long term personal loans are ideal for both planned and emergency expenses.
Benefits of a Long-Term Personal Loan Online:
Benefits of a Long-Term Personal Loan Online:
Flexible repayment tenure to suit monthly budget
Flexible repayment tenure to suit monthly budget
Competitive interest rates starting at 1.5% per month
Competitive interest rates starting at 1.5% per month
Predictable EMIs for better financial planning
Predictable EMIs for better financial planning
Fully digital process – no collateral or guarantor required
Fully digital process – no collateral or guarantor required
Quick approval and fast disbursal via Olyv
Quick approval and fast disbursal via Olyv
Access for salaried, self-employed, and some borrowers with limited credit history
Olyv’s online platform ensures a seamless application experience while allowing borrowers to plan repayments using the long term personal loan calculator.
Read More
Read More
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Disclaimer
Disclaimer
For more information on products provided by each RBI-registered NBFC. please refer to the lending partner section.
For more information on products provided by each RBI-registered NBFC. please refer to the lending partner section.
Get funds when you need it
Get funds when
you need it
Get funds when you need it
Looking for a long term personal loan in India? Olyv provides borrowers with a simple, reliable, and fully digital way to access personal loans with long repayment tenures. With flexible amounts, competitive interest rates starting at 1.5% per month, and instant online approval, Olyv helps users plan their finances efficiently and manage larger loan requirements with ease.
Long term personal loans are ideal for home renovations, education, weddings, travel, medical expenses, or other major financial needs. Olyv ensures transparent terms, predictable EMIs, and flexible repayment tenure, making it easier for borrowers to achieve their financial goals without stress.
Long Term Personal Loan in India | Apply Online | Olyv
Long Term Personal Loan in India | Apply Online | Olyv
Looking for a long term personal loan in India? Olyv provides borrowers with a simple, reliable, and fully digital way to access personal loans with long repayment tenures. With flexible amounts, competitive interest rates starting at 1.5% per month, and instant online approval, Olyv helps users plan their finances efficiently and manage larger loan requirements with ease.
Long term personal loans are ideal for home renovations, education, weddings, travel, medical expenses, or other major financial needs. Olyv ensures transparent terms, predictable EMIs, and flexible repayment tenure, making it easier for borrowers to achieve their financial goals without stress.