Low-Interest Personal Loan –
Get Quick Online Loans with
Fast Disbursal
Low-Interest Personal Loan – Get Quick Online Loans with Fast Disbursal
Low-Interest Personal Loan – Get Quick Online Loans with Fast Disbursal
Looking for immediate funds at a competitive rate? With the Low-Interest Personal Loan facilitated through Olyv, you can apply for a fully digital loan and have the approved amount transferred to your bank account in just a few minutes. Whether you're handling a medical emergency, urgent repairs, or any unplanned expense, Olyv stands out as one of the best apps for low-interest personal loans in India, offering a fast, trusted solution with quick disbursal.
The process is completely digital, with no paperwork, no collateral, and no queues. Just download the Olyv app for a low-interest loan, fill in a quick online form, and track your loan status in real time. It’s designed especially for salaried individuals seeking affordable personal loans with low salaries, offering quick approvals and complete transparency.
The process is completely digital, with no paperwork, no collateral, and no queues. Just download the Olyv app for a low-interest loan, fill in a quick online form, and track your loan status in real time. It’s designed especially for salaried individuals seeking affordable personal loans with low salaries, offering quick approvals and complete transparency.
The process is completely digital, with no paperwork, no collateral, and no queues. Just download the Olyv app for a low-interest loan, fill in a quick online form, and track your loan status in real time. It’s designed especially for salaried individuals seeking affordable personal loans with low salaries, offering quick approvals and complete transparency.
Whether it’s your first time applying or you're in urgent need of emergency funds, Olyv is your go-to low-interest online loan app, with zero hidden charges or delays.
Whether it’s your first time applying or you're in urgent need of emergency funds, Olyv is your go-to low-interest online loan app, with zero hidden charges or delays.
Whether it’s your first time applying or you're in urgent need of emergency funds, Olyv is your go-to low-interest online loan app, with zero hidden charges or delays.
What is a Personal Loan Interest Rate?
What is a Personal Loan Interest Rate?
A personal loan interest rate in India is the cost you pay to borrow money, typically starting from 1.5% per month. It depends on factors like your CIBIL score, income, loan amount, and repayment tenure.
A personal loan interest rate in India is the cost you pay to borrow money, typically starting from 1.5% per month. It depends on factors like your CIBIL score, income, loan amount, and repayment tenure.
Olyv partners with RBI-registered NBFCs to facilitate low-interest rate personal loans without collateral, even for those with a low credit score or limited income history, by helping in building credit score through the credit build Olyv Plus feature
Olyv partners with RBI-registered NBFCs to facilitate low-interest rate personal loans without collateral, even for those with a low credit score or limited income history, by helping in building credit score through the credit build Olyv Plus feature
You can easily apply for an instant personal loan online through the Olyv app and get quick loan approval with flexible EMI options tailored to your financial profile.
You can easily apply for an instant personal loan online through the Olyv app and get quick loan approval with flexible EMI options tailored to your financial profile.
Types of Personal Loans Available Online Through Olyv
Types of Personal Loans Available Online Through Olyv
Emergency Personal Loan Online:
Emergency Personal Loan Online:
For unexpected medical or financial emergencies.
For unexpected medical or financial emergencies.
Personal Loan for Medical Expenses:
Personal Loan for Medical Expenses:
Quick funding for hospital bills, surgery, and treatments.
Quick funding for hospital bills, surgery, and treatments.
Wedding Personal Loan Online:
Wedding Personal Loan Online:
Manage wedding-related expenses stress-free.
Manage wedding-related expenses stress-free.
Debt Consolidation Loan:
Debt Consolidation Loan:
Combine multiple debts into one low-interest loan.
Combine multiple debts into one low-interest loan.
Small Amount Personal Loan Online:
Small Amount Personal Loan Online:
Borrow ₹1,000 to ₹10,000 for short-term needs.
Borrow ₹1,000 to ₹10,000 for short-term needs.
Travel Personal Loan:
Travel Personal Loan:
Explore your dream destinations without financial worry.
Explore your dream destinations without financial worry.
Home Renovation Personal Loan:
Home Renovation Personal Loan:
Upgrade or repair your home with easy EMIs.
Upgrade or repair your home with easy EMIs.
Education Personal Loan Online:
Education Personal Loan Online:
Fund tuition, online courses, or certification programs.
Fund tuition, online courses, or certification programs.
Personal Loan for Low Income Earners:
Personal Loan for Low Income Earners:
Ideal for those earning min ₹15,000/month and min ₹25000/month household income.
Ideal for those earning min ₹15,000/month and min ₹25000/month household income.
Personal Loan for Rent Deposit:
Personal Loan for Rent Deposit:
For new movers needing upfront rental funds.
For new movers needing upfront rental funds.
Why Choose the Low-Interest Personal Loan through Olyv?
Why Choose the Low-Interest Personal
Loan through Olyv?
Why Choose the Low-Interest Personal Loan through Olyv?
Backed by RBI-registered NBFCs
Backed by RBI-registered NBFCs
Olyv partners with NBFCs registered under RBI, ensuring that your low-interest personal loan comes from secure and compliant lenders.
Quick Approvals with Fast Disbursal
Quick Approvals with Fast Disbursal
With our app-first approach, your application is reviewed quickly, and approved loans are disbursed to your bank account - often within hours.
Accessible for All Income & Credit Levels
Accessible for All Income & Credit Levels
Whether you have a modest salary or a low credit score, the Olyv app facilitates affordable personal loans at low interest rates tailored to your profile.
Fully Online Application Journey
Fully Online Application Journey
Say goodbye to paperwork. With the Olyv loan app, you can apply, complete your KYC, and track your application digitally - no branch visits required.
Unsecured Loan – No Collateral Required
Unsecured Loan – No Collateral Required
All loans facilitated through Olyv are unsecured, meaning no need to pledge assets or arrange for a guarantor.
Flexible Repayment Plans
Flexible Repayment Plans
Customize your loan tenure and monthly EMI as per your comfort—ideal for managing your cash flow while enjoying low-interest EMIs.
Trusted for Urgent and Emergency Loans
Trusted for Urgent and Emergency Loans
Thousands rely on Olyv during medical situations, travel emergencies, and home expenses due to its quick, low-interest loan offerings.
Key Benefits of a Low-Interest Loan through Olyv
Key Benefits of a Low-Interest Loan through Olyv
Key Benefits of a Low-Interest Loan through Olyv
Loan Range
Borrow amounts from ₹1,000 to ₹5,00,000* (subject to terms and conditions)
Interest Rate
Enjoy competitive interest starting at just 1.5% per month—ideal for affordable borrowing
Flexible Loan Tenure
Repay your loan between 2 to 18 months, based on your monthly budget
No Collateral Needed
Get a low-interest unsecured personal loan without pledging assets
Instant Digital Transfer:
Once approved, funds are credited directly to your bank account
Aadhaar-Based KYC
Easily complete your KYC with Aadhaar OTP and selfie verification
Loan Range
Borrow amounts from ₹1,000 to ₹5,00,000* (subject to terms and conditions)
Interest Rate
Enjoy competitive interest starting at just 1.5% per month—ideal for affordable borrowing
Flexible Loan Tenure
Repay your loan between 2 to 18 months, based on your monthly budget
No Collateral Needed
Get a low-interest unsecured personal loan without pledging assets
Instant Digital Transfer
Once approved, funds are credited directly to your bank account
Aadhaar-Based KYC
Easily complete your KYC with Aadhaar OTP and selfie verification
Calculate EMI for Your Low-Interest Personal Loan
Calculate EMI for Your Low-Interest Personal Loan
Use Olyv’s EMI calculator to estimate your repayment easily:
Use Olyv’s EMI calculator to estimate your repayment easily:
Enter your desired loan amount (e.g., ₹50,000)
Choose the interest rate (starts from 1.5% per month)
Choose the interest rate (starts from 1.5% per month)
Select your repayment period (e.g., 12 months)
Select your repayment period (e.g., 12 months)
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 |
|---|---|---|---|---|
| Oct '25 | ₹5,000 | ₹25 | ₹-25 | ₹5,025 |
Get instant personal loan insights into your monthly EMI, interest payable, and total amount due, helping you make an informed decision.
Get instant personal loan insights into your monthly EMI, interest payable, and total amount due, helping you make an informed decision.
Eligibility Criteria for a Low-Interest Personal Loan through Olyv
Eligibility Criteria for a Low-Interest Personal Loan through Olyv
To qualify for an affordable personal loan with low interest, salaried and self-employed applicants must:
To qualify for an affordable personal loan with low interest, salaried and self-employed applicants must:
Be an Indian citizen
Be an Indian citizen
Be at least 21 years old
Be at least 21 years old
Have a minimum monthly income of ₹15,000 and household income of ₹25,000 or more
Own a PAN card and an Aadhaar-linked mobile number
Own a PAN card and an Aadhaar-linked mobile number
Have a stable income source, either salaried or self-employed
Not have any ongoing active loans on the Olyv app
Get instant approval and disbursal of funds directly to your bank account
Minimum monthly income should be ₹15,000; household income should be ₹25,000 or above
Minimum monthly income should be ₹15,000; household income should be ₹25,000 or above
Real-time application tracking and zero hidden charges
Have a stable income source, either salaried or self-employed
Should have a regular source of income—either through employment or self-employment
Must not have any existing active loans on the Olyv app at the time of applying
Not have any ongoing active loans on the Olyv app
The Olyv loan app is ideal for users seeking low-interest loans with minimal income or low credit scores, offering timely financial relief when it matters.
The Olyv loan app is ideal for users seeking low-interest loans with minimal income or low credit scores, offering timely financial relief when it matters.
Documents Required for Low-Interest Personal Loans through Olyv
Documents Required for Low-Interest Personal Loans through Olyv
Ensure you have the following ready when applying for a low-interest personal loan through Olyv :
Ensure you have the following ready when applying for a low-interest personal loan through Olyv :
PAN card (mandatory)
Aadhaar card for ID verification
Aadhaar card for ID
verification
Address proof (passport,
driver’s license, or voter ID,
depending on applicant profile)
Recent bank account
statements
Bank account details for
disbursal
A recent selfie for identity verification
Income Proof: For salaried: Bank statements and EPFO data, For self-employed: Recent bank statements
A recent selfie for identity verification
Bank account details for disbursal
Income Proof: For salaried: Bank statements and EPFO data, For self-employed: Recent bank statements
Your data is encrypted and processed securely with full consent.
Your data is encrypted and processed securely with full consent.
Fees & Charges for Low-Interest Loans through Olyv App
Fees & Charges for Low-Interest Loans through Olyv App
When considering a personal loan, it’s important to understand all associated costs, including personal loan foreclosure charges, so you can plan your repayment strategy better. This helps you save on interest while avoiding unexpected penalties.
When considering a personal loan, it’s important to understand all associated costs, including personal loan foreclosure charges, so you can plan your repayment strategy better. This helps you save on interest while avoiding unexpected penalties.
Charges
Details
Pre-closure/Foreclosure Fee
Pre-closure/Foreclosure Fee
Up to 4% of the outstanding principal + GST (as per lender)
Up to 4% of the outstanding principal + GST (as per lender)
Up to 4% of the outstanding
principal + GST (as per lender)
Penal Interest
Penal Interest
Up to 36% per annum on overdue amounts
Up to 36% per annum on overdue amounts
Up to 36% per annum on overdue amounts
Processing Fee
Processing Fee
Varies between 2% and 15% of the loan amount (as per lender policy)
Varies between 2% and 15% of the loan amount (as per lender policy)
Varies between 2% and 15% of the loan amount
(as per lender policy)
Note: Olyv ensures full transparency - no hidden costs. Always check your KFS (Key Fact Statement) and loan agreement before finalizing your loan.
Note: Olyv ensures full transparency - no hidden costs. Always check your KFS (Key Fact Statement) and loan agreement before finalizing your loan.
Application Requirements for Low-Interest Personal Loan
through Olyv
Section
Details
Personal Info
Full Name, DOB, Gender, Marital Status, Guardian’s Name, Nationality
Contact Info
Mobile number linked to Aadhaar, active email address
KYC Documents
PAN card, Aadhaar card, or valid address proof
Photo
A clear selfie or passport-size photo
Employment Info
Type of employment, company/business name, job role
Income Info
Monthly income (min ₹15,000), household income (min ₹25,000), recent bank statements
Address
Current and permanent address with valid proof
Bank Info
Bank account with IFSC for loan transfer
eMandate Setup
UPI/eNACH for automated EMI deduction
Application Requirements on the Instant Loan App – Olyv
Section
Details
Personal Info
Full Name, DOB, Gender, Marital Status, Guardian’s Name, Nationality
Contact Info
Mobile number linked to Aadhaar, active email address
KYC Documents
PAN card, Aadhaar card, or valid address proof
Photo
A clear selfie or passport-size photo
Employment Info
Type of employment, company/business name, job role
Income Info
Monthly income (min ₹15,000), household income (min ₹25,000), recent bank statements
Address
Current and permanent address with valid proof
Bank Info
Bank account with IFSC for loan transfer
eMandate Setup
UPI/eNACH for automated EMI deduction
How to Apply for a Low-Interest Personal Loan through Olyv
How to Apply for a Low-Interest Personal Loan through Olyv
Go to: olyv.co.in/login
Register: Enter your mobile number to sign up
Fill Profile: Add your personal and work details
Verify Identity: Complete KYC via Aadhaar OTP
and upload a selfie
Select Loan Terms: Choose the loan amount
and repayment plan
Get Funds: Once approved, your loan is instantly
credited to your account
Go to: olyv.co.in/login
Register: Enter your mobile number to sign up
Fill Profile: Add your personal and work details
Verify Identity: Complete KYC via Aadhaar
OTP and upload a selfie
Select Loan Terms: Choose the loan amount
and repayment plan
Get Funds: Once approved, your loan is
instantly credited to your account
Go to: olyv.co.in/login
Register: Enter your mobile number to sign up
Complete your personal and
employment profile
Verify Identity: Complete KYC via Aadhaar OTP
and upload a selfie
Select Loan Terms: Choose the loan amount
and repayment plan
Submit your application for
instant review
FAQs – Low-Interest Personal Loans
FAQs – Low-Interest Personal Loans
Is there a 0% personal loan available in India?
No, 0% personal loans are not offered by banks or NBFCs. However, some platforms may provide promotional interest rates or zero-cost EMI on select purchases through partner offers.
How can I get ₹30,000 immediately as a personal loan?
Can I get a 0% bank loan in India?
What is the EMI for a ₹2 lakh personal loan?
How to get ₹40,000 urgently for emergency needs?
What is the interest rate for a ₹50,000 personal loan on Olyv?
Which app offers low-interest personal loans instantly?
Where can I apply for a low-interest personal loan online?
Can I get a low-interest personal loan without a salary slip?
How to get a low-interest personal loan instantly?
How to calculate personal loan interest and EMI?
Is there a 0% personal loan available in India?
No, 0% personal loans are not offered by banks or NBFCs. However, some platforms may provide promotional interest rates or zero-cost EMI on select purchases through partner offers.
How can I get ₹30,000 immediately as a personal loan?
Can I get a 0% bank loan in India?
What is the EMI for a ₹2 lakh personal loan?
How to get ₹40,000 urgently for emergency needs?
What is the interest rate for a ₹50,000 personal loan on Olyv?
Which app offers low-interest personal loans instantly?
Where can I apply for a low-interest personal loan online?
Can I get a low-interest personal loan without a salary slip?
How to get a low-interest personal loan instantly?
How to calculate personal loan interest and EMI?
Is there a 0% personal loan available in India?
No, 0% personal loans are not offered by banks or NBFCs. However, some platforms may provide promotional interest rates or zero-cost EMI on select purchases through partner offers.
How can I get ₹30,000 immediately as a personal loan?
Can I get a 0% bank loan in India?
What is the EMI for a ₹2 lakh personal loan?
How to get ₹40,000 urgently for emergency needs?
What is the interest rate for a ₹50,000 personal loan on Olyv?
Which app offers low-interest personal loans instantly?
Where can I apply for a low-interest personal loan online?
Can I get a low-interest personal loan without a salary slip?
How to get a low-interest personal loan instantly?
How to calculate personal loan interest and EMI?
Get funds when you need it
Get funds when you need it
Get funds when
you need it
Application Requirements for Low-Interest Personal Loan
through Olyv
Section
Details
Personal Info
Full Name, DOB, Gender, Marital Status, Guardian’s Name, Nationality
Contact Info
Mobile number linked to Aadhaar, active email address
KYC Documents
PAN card, Aadhaar card, or valid address proof
Photo
A clear selfie or passport-size photo
Employment Info
Type of employment, company/business name, job role
Income Info
Monthly income (min ₹15,000), household income (min ₹25,000), recent bank statements
Address
Current and permanent address with valid proof
Bank Info
Bank account with IFSC for loan transfer
eMandate Setup
UPI/eNACH for automated EMI deduction