L&T Finance Pre-Approved Personal Loan

An L&T Finance pre-approved personal loan offers easy access to funds with flexible tenures up to 48 months and competitive interest rates from 12.% p.a.

With loan amounts of up to ₹15 Lakhs, it is suitable for both planned and unexpected expenses. While the offer comes with simplified approval, it is still important to assess your financial needs and repayment capacity. 

Also consider the total cost of borrowing, including processing fees of up to 3% plus GST. When used wisely, such pre-approved loans can be an effective tool to manage financial requirements efficiently.

An L&T Finance pre-approved loan comes with several customer-friendly benefits. Some of the key features are listed below:

• High loan amount of up to ₹15 Lakhs for large expenses like medical emergencies, travel, or weddings

• Competitive interest rates starting from 12.00% p.a. to keep EMIs affordable

• Repayment tenure of up to 48 months for flexible loan management

• No collateral required, making the loan unsecured and easy to apply for

• Quick disbursal within 24 hours of approval for immediate financial support

• Processing fee of up to 3% of the loan amount plus GST

• Minimum loan amount available is ₹50,000

• Fully digital application process with no need for physical branch visits

An L&T Finance pre-approved personal loan offers hassle-free access to funds. Here are some key features:

• Convenience and Quick Disbursal

This loan gets processed much faster than a regular personal loan. In many cases, the amount is credited to your account almost instantly.

• Easy Access to Funds

You can get the money exactly when you need it—whether for a medical emergency or a planned vacation—without long waiting periods.

• No Collateral Required

This is an unsecured loan, so you do not need to provide guarantors or pledge any assets to apply.

• Favourable Interest Rates

Because you are seen as a low-risk borrower, the interest rate offered on a pre-approved loan may be lower than on a standard personal loan.

• Fully Online Process

You can complete the entire process online by filling out a simple form. Just upload soft copies of the required documents through the lender’s website or mobile app.

• Special Offers

You may get added benefits such as waived processing fees, lower interest rates, or EMI holidays. These perks make the pre-approved loan even more attractive.

Here is an overview of the L&T Finance personal loan charges.

Disclaimer: The interest rates and charges mentioned above are subject to constant change at the lender’s discretion.

Here are the interest rate and other applicable charges on the L&T Finance pre-approved loan:

Disclaimer: The interest rates and charges mentioned above are subject to constant change at the lender’s discretion.

To be eligible for an L&T Finance pre-approved personal loan, you need to meet certain basic criteria:

• Indian resident status required

• Age must be between 21 and 58 years

• Applicable for salaried or self-employed individuals

Note: As this is a pre-approved offer, eligibility is subject to the lender’s internal criteria and policies.

To complete the application process, you need to submit a few essential documents:

Note: As this is a pre-approved offer, documentation requirement is subject to the lender’s internal criteria and policies

Managing your finances becomes easier when you have access to the right lending solutions. Choosing Bajaj Markets offers several benefits that can help you handle both planned and unexpected expenses with ease:

• Wide Range of Choices

You can compare offers from over 20 lenders and borrow up to ₹55 Lakhs instantly through the platform

• Attractive Interest Rates

You benefit from competitive personal loan interest rates starting at 9.99% per annum

• Simple Documentation

The digital application process allows you to submit documents online, making it easy to apply for a personal loan

• No Hidden Fees

You enjoy full transparency throughout the process, with no hidden or undisclosed charges

• Fast Disbursal

Once approved, the loan amount is credited to your bank account within 24 hours. This ensures timely access to funds when you need them the most.

• Fully Digital Process

The entire loan application can be completed online, eliminating the need for physical visits. It saves time and offers a hassle-free experience.

Here are some key points to help improve your chances of receiving a pre-approved loan offer:

• Maintain a healthy credit score of 750 or above

• Avoid taking any new personal loan within the last six months

• Keep your total loan EMIs within 40–50% of your net monthly income

• Do not apply for multiple loans at the same time

• Pay all bills and credit card dues on time

• Consolidate existing debts to simplify repayment and improve your profile