Low-Interest Personal Loan for
Self-Employed – Quick Online
Access with Fast Disbursal
Low-Interest Personal Loan for Self-Employed – Quick Online Access with Fast Disbursal
Low-Interest Personal Loan for Self-Employed – Quick Online Access with Fast Disbursal
Need quick funds with a competitive interest rate? With personal loan options facilitated through Olyv, self-employed professionals can access low-interest digital loans with disbursal to their bank accounts directly. Whether it’s an unexpected medical situation, urgent business repair, or personal emergency, Olyv facilitates easy access to personal loans for self-employed individuals across India with minimal hassle.
The process is entirely digital, with no paperwork, no collateral, and no waiting in lines. Simply use the platform, complete a short application form, and track your loan request in real time. Designed specifically to serve independent earners, freelancers, and self-employed applicants, this solution ensures quick approval and transparent terms for low-interest personal loans.
The process is entirely digital, with no paperwork, no collateral, and no waiting in lines. Simply use the platform, complete a short application form, and track your loan request in real time. Designed specifically to serve independent earners, freelancers, and self-employed applicants, this solution ensures quick approval and transparent terms for low-interest personal loans.
The process is entirely digital, with no paperwork, no collateral, and no waiting in lines. Simply use the platform, complete a short application form, and track your loan request in real time. Designed specifically to serve independent earners, freelancers, and self-employed applicants, this solution ensures quick approval and transparent terms for low-interest personal loans.
Whether you're new to borrowing or need funds fast, Olyv facilitates personal loan solutions for self-employed borrowers without hidden costs or delays.
Whether you're new to borrowing or need funds fast, Olyv facilitates personal loan solutions for self-employed borrowers without hidden costs or delays.
Whether you're new to borrowing or need funds fast, Olyv facilitates personal loan solutions for self-employed borrowers without hidden costs or delays.
Why Opt for a Low-Interest Personal Loan for Self-Employed
through Olyv?
Why Opt for a Low-Interest Personal Loan for Self-Employed
through Olyv?
Why Opt for a Low-Interest Personal Loan
for Self-Employed through Olyv?
RBI-Registered Lending Partners
RBI-Registered Lending Partners
Loans are facilitated through regulated NBFCs registered with the Reserve Bank of India, offering reliable access to low-interest financing for self-employed applicants.
Loans are facilitated through regulated NBFCs registered with the Reserve Bank of India, offering reliable access to low-interest financing for self-employed applicants.
Quick Processing and Fast Fund Transfer
Quick Processing and Fast Fund Transfer
With a completely digital journey, loan applications from freelancers and business owners are assessed quickly, and approved amounts are credited to their bank accounts within hours.
With a completely digital journey, loan applications from freelancers and business owners are assessed quickly, and approved amounts are credited to their bank accounts within hours.
Tailored for All Income Profiles
Tailored for All Income Profiles
Even with inconsistent or modest monthly earnings, self-employed individuals can access low-interest unsecured personal loans based on digital income assessment.
Even with inconsistent or modest monthly earnings, self-employed individuals can access low-interest unsecured personal loans based on digital income assessment.
100% Paperless Application
100% Paperless Application
Applicants can complete the entire loan process online—from verification to disbursal, without the need to submit physical documents or visit a branch.
Applicants can complete the entire loan process online—from verification to disbursal, without the need to submit physical documents or visit a branch.
No Security or Guarantor Required
No Security or Guarantor Required
These are fully unsecured loans for self-employed borrowers, requiring no collateral or third-party guarantee.
These are fully unsecured loans for self-employed borrowers, requiring no collateral or third-party guarantee.
Custom Repayment Plans
Custom Repayment Plans
Choose flexible repayment durations and EMI structures to align with your cash flow, ideal for business owners or gig workers managing irregular income.
Choose flexible repayment durations and EMI structures to align with your cash flow, ideal for business owners or gig workers managing irregular income.
Ideal for Emergencies or Business Gaps
Ideal for Emergencies or Business Gaps
Thousands of self-employed users have opted for personal loans through Olyv during financial crunches, emergency medical needs, or urgent home repairs.
Thousands of self-employed users have opted for personal loans through Olyv during financial crunches, emergency medical needs, or urgent home repairs.
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.
Core Features of a Low-Interest Personal Loan for
Self-Employed Applicants
Core Features of a Low-Interest Personal Loan for
Self-Employed Applicants
Core Features of a Low-Interest Personal Loan for Self-Employed Applicants
Loan Amount
Borrow between ₹1,000 and ₹5,00,000* (Subject to terms and conditions)
Interest Rate
Starting from 1.5% per month—affordable for small business needs
Tenure
Choose between 2 to 18 months based on your business cycle or repayment capacity
Collateral-Free
Loans are unsecured; no need to pledge business or personal assets
Instant Credit
Disbursal directly to your bank account after approval (T&C apply)
Easy KYC
Aadhaar-based KYC with selfie verification ensures a seamless experience
Loan Amount
Borrow between ₹1,000 and ₹5,00,000* (Subject to terms and conditions)
Interest Rate
Starting from 1.5% per month—affordable for small business needs
Tenure
Choose between 2 to 18 months based on your business cycle or repayment capacity
Collateral-Free
Loans are unsecured; no need to pledge business or personal assets
Instant Credit
Disbursal directly to your bank account after approval (T&C apply)
Easy KYC
Aadhaar-based KYC with selfie verification ensures a seamless experience
Use the EMI Calculator to Plan Your Loan
Use the EMI Calculator to Plan Your Loan
Want to know how much you’ll repay? Use the built-in EMI calculator to estimate your costs in advance:
Want to know how much you’ll repay? Use the built-in EMI calculator to estimate your costs in advance:
Enter your preferred loan amount (e.g., ₹50,000)
Choose the applicable interest rate (starts at 1.5% monthly)
Choose the applicable interest rate (starts at 1.5% monthly)
Select your desired repayment tenure (e.g., 12 months)
Select your desired repayment tenure (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 real-time insights into your estimated EMI, total interest, and full repayment amount—ideal for freelancers and consultants planning finances carefully.
Get real-time insights into your estimated EMI, total interest, and full repayment amount—ideal for freelancers and consultants planning finances carefully.
Eligibility Criteria for a Personal Loan for Self-Employed Professionals
Eligibility Criteria for a Personal Loan for Self-Employed Professionals
To be eligible for a low-interest loan for self-employed individuals, applicants must:
To be eligible for a low-interest loan for self-employed individuals, 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; total household income ₹25,000+
Possess a valid PAN card and Aadhaar-linked mobile number
Possess a valid PAN card and Aadhaar-linked mobile number
Have a consistent source of income (e.g., freelance work, consultancy, small business)
Have no existing active loan through the Olyv platform at the time of applying
Get instant approval and disbursal of funds directly to your bank account
Have a minimum monthly income of ₹15,000; total household income ₹25,000+
Have a minimum monthly income of ₹15,000; total household income ₹25,000+
Real-time application tracking and zero hidden charges
Have a consistent source of income (e.g., freelance work, consultancy, small business)
Have a consistent source of income (e.g., freelance work, consultancy, small business)
Have no existing active loan through the Olyv platform at the time of applying
Have no existing active loan through the Olyv platform at the time of applying
These criteria help ensure that self-employed individuals can access personal loans tailored to their financial profile.
These criteria help ensure that self-employed individuals can access personal loans tailored to their financial profile.
Documentation Required for Self-Employed Personal Loan Access
Documentation Required for Self-Employed Personal Loan Access
Have these documents ready to ensure a smooth application:
Have these documents ready to ensure a smooth application:
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
Note: All information is processed securely and with user consent.
Note: All information is processed securely and with user consent.
Fees & Charges for Personal Loan Options through Olyv
Fees & Charges for Personal Loan Options through Olyv
Knowing the exact personal loan foreclosure process and related charges in advance can help you save on interest and plan an early closure more effectively. Olyv provides complete transparency so you can make informed financial decisions.
Knowing the exact personal loan foreclosure process and related charges in advance can help you save on interest and plan an early closure more effectively. Olyv provides complete transparency so you can make informed financial decisions.
Charge Type
Details
Pre-closure/Foreclosure Fee
Pre-closure/Foreclosure Fee
Up to 4% of outstanding amount + GST (varies by lender)
Up to 4% of the outstanding
principal + GST (as per lender)
Up to 4% of outstanding amount + GST (varies by lender)
Penal Interest
Penal Interest
Up to 36% p.a. on overdue principal or as per the lender's grid
Up to 36% p.a. on overdue principal or as per the lender's grid
Up to 36% p.a. on overdue principal or as per the lender's grid
Processing Fee
Processing Fee
Ranges from 2% to 15% of the loan amount (as per lending partner)
Varies between 2% and 15% of the loan amount
(as per lender policy)
Ranges from 2% to 15% of the loan amount (as per lending partner)
Important: Always review the Key Fact Statement (KFS) and loan terms before finalizing. No hidden charges are applied.
Important: Always review the Key Fact Statement (KFS) and loan terms before finalizing. No hidden charges are applied.
Details Required to Apply for a Self-Employed Personal
Loan through Olyv
Section
Details
Personal Info
Full name, DOB, gender, nationality, marital status
Contact Info
Aadhaar-linked mobile number, valid email address
KYC Documents
PAN card and Aadhaar or other valid address proof
Photo
Recent selfie or clear passport photo
Professional Info
Nature of self-employment, profession, business name
Income Info
Minimum monthly income ₹15,000; household income ₹25,000+, bank statements
Address Proof
Permanent and current residential address
Bank Info
Active account with IFSC for disbursal
eMandate Setup
UPI or eNACH registration for automatic EMI payments
Application Requirements on the Instant Loan App – Olyv
Section
Details
Personal Info
Full name, DOB, gender, nationality, marital status
Contact Info
Aadhaar-linked mobile number, valid email address
KYC Documents
PAN card and Aadhaar or other valid address proof
Photo
Recent selfie or clear passport photo
Professional Info
Nature of self-employment, profession, business name
Income Info
Minimum monthly income ₹15,000; household income ₹25,000+, bank statements
Address
Permanent and current residential address
Bank Info
Active account with IFSC for disbursal
eMandate Setup
UPI or eNACH registration for automatic EMI payments
How to Apply for a Personal Loan for Self-Employed through Olyv
How to Apply for a Personal Loan for Self-Employed through Olyv
Visit: olyv.co.in/login
Register using your mobile number
Complete your profile with professional and
personal details
Verify identity via Aadhaar OTP and upload
a selfie
Select a loan amount and tenure that suits
your business needs
Receive disbursal directly to your bank
account upon approval
Visit: olyv.co.in/login
Register using your mobile number
Complete your personal and
employment profile
Verify identity via Aadhaar OTP
and upload a selfie
Select a loan amount and tenure
that suits your business needs
Submit your application for
instant review
Visit: olyv.co.in/login
Register using your mobile number
Complete your profile with professional and
personal details
Verify Identity: Complete KYC via Aadhaar
OTP and upload a selfie
Select a loan amount and tenure that suits
your business needs
Get Funds: Once approved, your loan is
instantly credited to your account
FAQs - Personal Loan for Self-employed
FAQs - Personal Loan for Self-employed
Can I get a personal loan if I am self-employed?
Yes, Olyv facilitates personal loans for self-employed individuals without the need for traditional salary slips or collateral. Whether you're a freelancer, consultant, or small business owner, you can apply online with minimal documentation and receive funds quickly.
How to get a ₹2 lakh loan without a salary slip?
Is a personal loan without security possible for self-employed individuals?
Can I get a ₹5 lakh loan without income proof?
How can I get a ₹1 lakh loan without income proof?
Is a ₹2 lakh loan possible without income proof?
Can I get a personal loan for self-employed people with no proof of income online?
Do NBFCs offer personal loans for self-employed people in India?
Can I get a ₹50,000 loan if I’m self-employed?
What if I have a low CIBIL score? Can I still get a personal loan?
Can I get a personal loan if I am self-employed?
Yes, Olyv facilitates personal loans for self-employed individuals without the need for traditional salary slips or collateral. Whether you're a freelancer, consultant, or small business owner, you can apply online with minimal documentation and receive funds quickly.
How to get a ₹2 lakh loan without a salary slip?
Is a personal loan without security possible for self-employed individuals?
Can I get a ₹5 lakh loan without income proof?
How can I get a ₹1 lakh loan without income proof?
Is a ₹2 lakh loan possible without income proof?
Can I get a personal loan for self-employed people with no proof of income online?
Do NBFCs offer personal loans for self-employed people in India?
Can I get a ₹50,000 loan if I’m self-employed?
What if I have a low CIBIL score? Can I still get a personal loan?
Can I get a personal loan if I am self-employed?
Yes, Olyv facilitates personal loans for self-employed individuals without the need for traditional salary slips or collateral. Whether you're a freelancer, consultant, or small business owner, you can apply online with minimal documentation and receive funds quickly.
How to get a ₹2 lakh loan without a salary slip?
Is a personal loan without security possible for self-employed individuals?
Can I get a ₹5 lakh loan without income proof?
How can I get a ₹1 lakh loan without income proof?
Is a ₹2 lakh loan possible without income proof?
Can I get a personal loan for self-employed people with no proof of income online?
Do NBFCs offer personal loans for self-employed people in India?
Can I get a ₹50,000 loan if I’m self-employed?
What if I have a low CIBIL score? Can I still get a personal loan?
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, nationality, marital status
Contact Info
Aadhaar-linked mobile number, valid email address
KYC Documents
PAN card and Aadhaar or other valid address proof
Photo
Recent selfie or clear passport photo
Professional Info
Nature of self-employment, profession, business name
Income Info
Minimum monthly income ₹15,000; household income ₹25,000+, bank statements
Address Proof
Permanent and current residential address
Bank Info
Active account with IFSC for disbursal
eMandate Setup
UPI or eNACH registration for automatic EMI payments