your CIBIL score plays a crucial role in securing a loan offer from any lending application. If your CIBIL score is good, almost any loan app will offer you a loan through a very simple and easy process. Otherwise, most lending applications will simply reject your loan request. However, if your CIBIL score is merely around 500 or 550, then today’s video is tailor-made for you. As you can see on the side here, with this specific loan application, you can apply for a loan quite easily—even with a low CIBIL score. Just recently, I applied for a loan through this app on behalf of one of our viewers. The application offered a loan of a full ₹16,000 quite effortlessly, based solely on their Aadhaar and PAN cards.
So, keeping that success in mind, I am now going to apply for a loan for another viewer right here before your eyes, demonstrating the entire process live. So, stay tuned to this video! I will reveal exactly which loan application this is either midway through the video or at the very end. I will cover everything: the minimum and maximum loan amounts the app might offer you; the additional charges you might incur on the loan; the specific documents you need to submit; and—if your loan is approved—the minimum and maximum repayment tenure the app allows you. I am going to cover the entire process, from A to Z, in this video. So, if you enjoy this video, please give it a like and, friends, make sure to subscribe to the channel! Alright then, let’s get started. As you can see here, I have already downloaded and installed the application. The initial interface of the app looks something like this. As you can observe, the very first thing the application asks for is your mobile number.
It is crucial that you enter the specific mobile number that is linked to your Aadhaar and PAN cards. Simply check the box provided here, and then click the “Continue” button. As you will see, an OTP (One-Time Password) has now been sent to my mobile number. I have entered the OTP here. I will simply click on the “Verify and Proceed” button here. First off, you are being asked to provide your PAN card details. As you can see here, you now need to enter your PAN card number. Once you have entered your PAN card number, you will see a prompt to “Enter your Net Monthly Income.” Simply enter your monthly income in the designated field. Then, click the “Next” button once again. As you can see, I have entered my PAN card number and my monthly income below. I will now simply click on “Next.” As soon as I click “Next,” the name associated with my PAN card appears right at the top of the screen. Next, you will be asked to fill in your email ID; enter your personal email address here. Then, select your gender—Male or Female. Scroll down to enter your Date of Birth using the provided calendar tool. After entering your Date of Birth, you will be asked to specify your Marital Status. If you are married, select “Married”; otherwise, select “Single.”
Once you have entered these basic details, simply click the “Next” button. Upon clicking “Next,” you will be directed to the Address Details page. At the top of this page, click on the “Residential Type” field. If you own your home, simply select “Owner”; otherwise, you can select “Rented” or the appropriate option. Since we are the homeowners ourselves, we will click on “Owner” here. Next, you need to fill in your complete address details on this page—including Address Line 1, Address Line 2, your nearest landmark, and your PIN code—by referring to the back of your Aadhaar card. There is nothing complicated about this step; simply enter the full address exactly as it appears on the back of your Aadhaar card into the fields provided on this page. Once done, simply click on the “Next” button. As you can see, friends, I have entered the complete address here. Following this, you will see the section titled “Enter Your Income Details.” On this page, you are required to provide information regarding your income. Under the “Employment Type” category, if you are a salaried individual, select “Salaried”; if you are self-employed, select “Self-Employed.” Further down, you will be asked to enter your monthly income—a figure I had already provided at the very beginning of this video. You can view it here. Next, look at the “Mode of Payment” section. Here, you must indicate the specific method through which you receive funds into your bank account. Please keep in mind, friends: you *must* select “Bank” here. Do not select “Cheque” or “Cash”; otherwise, your loan application will be rejected immediately. Now, you will see the field labeled “Enter Your Last Salary Date.” You can view it right here.
Yes—but if you click on this calendar, you need to select the specific date of the month on which you typically receive your income or salary. You are required to enter your basic details here. Once done, simply click on the “Next” button again. As you can see, friends, I have entered all the necessary information here; specifically, I have entered my last salary receipt date. I will now simply click on the “Next” button. Now, you will notice that you are being asked to enter your salary amount. I will proceed to click on the “Submit” button. Upon submitting your salary details, you will see a preview of all the information you have provided within this application. For instance, you will be able to review the residential address you entered, your income details, and your personal particulars. If all these details are accurate, simply click on “Check Eligibility.” You will then see that your PAN verification has been successfully completed and your personal information has been recorded. All these details will be displayed here for your review; take a moment to verify everything in the preview, and finally, click on “Check Eligibility.” And there it is, friends—as you can see, a “Congratulations” pop-up has appeared! This indicates that we are indeed eligible to obtain a loan through this application. You can clearly see the message:
“Congratulations! You are eligible to take a loan from…”—meaning we can successfully secure a loan through this app. To find out the specific loan amount we have been offered, simply look here. If we click on “Enter Loan Details,” we will discover exactly how much of a loan this application is offering us. So, friends, right here live before your eyes, I will now click on “Enter Loan Details.” As soon as I click on “Enter Loan Details,” you can see here that, at a minimum, we can avail a loan of ₹5,000 through this application, and at a maximum, we can secure a loan of up to ₹27,000. In other words, based on my details, this application has approved me for a maximum loan amount of ₹27,000. Now, for how many days do we wish to take this ₹27,000 loan? As you can see here, the minimum tenure for this ₹27,000 loan is 7 days, while the maximum tenure extends up to 40 days. By adjusting this scroll bar, we can set our desired loan amount and tenure. So, you can observe that if we opt for the full loan amount of ₹27,000 for a period of 40 days, the total repayment required would amount to ₹37,800.
Regarding the interest rate, you can see that the total interest charged for this 40-day period is stated to be ₹10,800. Now, friends, this loan does seem a bit expensive to me. However, if this is the only application willing to grant you a loan—and no other loan application is doing so—then you can certainly go ahead and take a loan from this one. Otherwise, if you are able to secure a loan from a different application—especially a cheaper one—you might want to choose that alternative instead and avoid this particular application, as it is indeed a bit on the expensive side. Nevertheless, rest assured that this application will certainly provide you with a loan. So, friends, just for the purpose of demonstration, let’s select a loan amount of ₹10,000 here. Now, if you look at the top of the screen, we need to select a “Loan Purpose,” so let’s go ahead and choose a specific purpose for this loan. We will simply click on the ‘Accept’ button here. Now, as you can see here, you are prompted to “Enter Your Employment Details.” You are being asked to fill in your employment information in this section. Looking at the top of the screen, you will see two options; you need to click on the one labeled “Self-Employed.” Next, you will need to select your “Company Type”—whether it is a Private Limited company or any other type—from the available options. Under “Enter Organization,” you will specify the name of the organization under which your company operates. Following that, you will select your “Designation.” You will also need to specify your “Employment Since” date. For the “Employment Address”—that is, the location of your office—please enter the complete address here.
You must also provide the nearest landmark and the PIN code for the address. Once again, click on the ‘Next’ button. In short, you should provide your employment details here as accurately as possible; please note that no formal verification of these details will be conducted at this stage. On the next page, you will be required to upload the front image of your Aadhaar card, the back image of your Aadhaar card, and an image of your PAN card. In other words, you must now upload these three specific documents. As you can see right before your eyes, I have successfully uploaded all three of my documents here. After uploading all three documents, I will simply click on the ‘Submit’ button. Now, you will see the prompt to “Enter Your Bank Details.” You are now being asked to provide your banking information. As soon as we enter the bank details and click the ‘Submit’ button, you will be directed to the next page, where you can see…
“Congratulations! Your application has been successfully submitted.” This means that our application has indeed been successfully submitted here. We will simply click on the “Go to Dashboard” button. Here, we will be able to view our complete summary as well as the details of our loan. As you can see, friends, the amount displayed shows a loan of ₹10,000. The tenure is stated to be 40 days. Our name is also visible here. Our details have been successfully submitted. All your details will now undergo verification. If all the details are found to be accurate according to their criteria, then—within 30 minutes to an hour—the loan amount will be easily credited to the bank account details you provided. Alternatively, your loan application could be rejected, or you may be asked to manually correct certain details. Therefore, you will need to wait for approximately 30 minutes to an hour. Now, friends, that covers the process of applying for a loan through the application. Let me now reveal the name of the application. Before I do that, however, here is what you need to do: if you were unable to secure a loan through this specific application, please head over to our comment section. In the comments, the first thing you should do is type out your CIBIL score—mentioning exactly what your score is—and state the specific loan amount you require. Please post a comment along these lines so that we can determine your current CIBIL score and identify which applications are capable of granting you a loan based on that score.
Bajaj Finance Personal Loan 2026
I will then endeavor to create a video featuring that specific application for you as soon as possible. So, friends, please be sure to post a comment in this video’s comment section stating your CIBIL score and the loan amount you need. As you can see, friends, we are back on the Play Store once again; simply type “Salary One One Time Personal Loan App” into the search bar. You will recognize it by its distinctive logo. I have already demonstrated the complete process of applying for a loan using this very application.