Bajaj Finserv’s loan app is one of the most popular solutions in India, offering loans up to ₹55 lakh, competitive interest rates from 10% to 31% per annum, and flexible repayment tenures ranging from 12 to 96 months. The loan process is completely online and straightforward, making it accessible whether you need a personal loan, business funding, or even a gold or home loan.

Step-by-Step: How to Apply

1. Install the Bajaj Finserv app from the Google Play Store
2. Register using your mobile number and complete OTP verification
3. Select the loan product suited to your needs
4. Fill in your basic details and upload the necessary documents digitally
5. Receive a quick eligibility check and instant approval if qualified
6. Review and accept the offer, complete e-mandate and KYC window

Key Advantages of Bajaj Finserv Loans

One of the biggest strengths of Bajaj Finserv loans is their wide range of offerings, including personal, business, gold and home loans, all in one app.

Another plus is the user-friendly digital experience, where you can shop, pay bills, invest, and track your EMIs effortlessly.

Things to Consider

Some users report that the app can feel slow, especially when checking EMIs or making payments during peak hours.

In-app ads and sometimes complex navigation may affect the user experience, especially for first-time applicants or senior citizens.

Final Verdict

Bajaj Finserv’s app-based loan solutions are convenient, flexible, and comprehensive, catering to diverse financial needs across India. With high loan limits, digital processes, and extra features like bill pay and investments, it stands out—just be prepared for occasional app lags.